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<br /> 8arrower'S escrow account under the federal Real Estate Sattlement Procedures Act of 1974 as amentled from time ro tirne,12 U.S.C. :;t;�,'�.��`,,'�bl,�
<br /> 260t et seq.("RESPA"), unless anothm law that upplies to Ihe Funds sets a lesser amount. If so, Lendsr mpy,at any lime,collect and
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<br /> hold Funds m an amount not to ezceeA the lesser amount. Londer may estirnele the emount of luntls due on the busis of current tlatA ' .
<br /> and reasonable estimetes of expenditures ol future Escrow Items or otherwlse h acwrdance with ep�l�able law. '.�.� � �rwn��
<br /> ; The Funds Shell be held n an nstilution whose deposUs are Insured by a lederal ayency, Instrumentaifty, or entNy(inCludinp.� ,•?° °�E•,}..Y; `
<br /> Lender, A Lender Is such an Insidutlon) or fn any Federal Home Loan Bflnk. Lender shall apply the Fundo to pfly the E6trow Items�� , '�• '
<br /> � Lender may not charqe Borruwer lor notdinp and apptyinp tha Funds, annualy aneytk►p the esCrow ecoount,or verilylnq the Esarow' .� •Lv'
<br /> Items, unleos Lender pays Borrower hterost on the Funds and applbeble I�w permlts Lender to make,suoh a oherge. Howwer,Lendar '�' �, �''' ��;�,
<br /> ,. may require Borrower to pay a one-tine oharqe tor an k►depend�nt real estato tax repoRh9 service used by Lender in cnnneation wffh� ;,, �,,�i
<br /> '� this loan,unbss applbable�w provtdes otherwlse. Unlesa an e reement Is nude or appl�able law requkes hterest to be pdd.Lender� •; �, �F.•
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<br /> • shall not be requked to pay Borrowertny intereat or eamhqs on the Funds. Bortower end Lender may agree in wrltlnp, however, th8t� '``••,,'��•-�"�: - _
<br /> • � hterest shall be pald on the funds. Lender Shail plve to Bortower, wllh oul cherpe, an annual accounting of the Funds, showing i ,�!��,�t�_._��Y
<br /> -• credits end debits to the Funds end Ne purpoae for wh�h each debft to the Funds wes made. The Funds are pledged as additlonel��►�` .;,:�,.�f,,,�'-
<br /> security for all sums seCUred by Ihis Securily Instrument. w !`�+'=�t'���-
<br /> It the Funds held by Lender exceed Ihe amounts pormRted to be held by epplkable law, Lender shall account to Borrowe�for tha r,''"
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