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•- - -- __._ , . , -----_--�--T--=-�_,_-.-_..-_�.. . _ .. �. _ _ �_��------ ------— �=��. <br /> ; _._. --�;-----'.---�- - - -- �. ' _ , �� <br /> 1 [ . � . <br /> � Borrower's escrow account under the fede►ai Reat Estate Settlement Procedures Act of 1974 es emended from Ume to tlrne, 12 U.S.C. • . ' � <br /> � 2601 et seq.('RESPA'),uniess another law that appGes ta the Funds sets a lesser amount If so, Lender may,at arry Ume,coilect end ' � " ` d� <br /> ' hotd Funds in an erreount not to exceed the lesser amount Lendec may esUmate the amounl at funds due on the basis ot cuRent date , � �s <br /> - and reasonabte e.,Mtmates ot expenditures of future Escrow Items or atherwtse M eccordance with applicable law. � • � • «i�; <br /> ; The Funds shatl be hetd !n an InsGtuUOn whose deposits are Insured by e fedrlal egancy, instrumenta6ty, or enUty (induding ! . . ��:,,. <br /> Lender, H Lender is such an fnsUtuUon� or tn any Federal Home Loan Bank Lender shafi appiy the Funds to pay ii�a Escir,w k�,�s.� F - �- - -�_:-��: <br /> � Lender may not charge Borrower tor haldng and appiyfng the Funds, annuaity analy�Jng the escrow account, or verifying ihe Escrow°� i . � . •..� <br /> � Items,uniess lender pays Borrower intere.t on the Fueds and appiicable law pertnits Lender to maka such a charge. However,Lender � i , • �. . <br /> ' may require Bormwer to pay a one-tima charga for an independent real estate tax repordng service used by Leader in connection� � ' � <br /> t <br /> � this loan, unless applicabte law provides oiherwise. Unless an agre�nent is made or appileable taw reqwres interest to be paid.Lende� i , '��� <br /> � shalt not be required to pay Borrower any interest or eamings on the Funds.Bortower flnd Lender may agree in vrritlng. however,that� + , ' ' . <br />—�--� inierest sf�ail be paid on ifie Funds. Lender shaU ghre 4o Barrower. vrithout charga an ennua!eccoanUng o!the Fwids. showing� ; �___.___ --� <br /> ,� credits and debits to the Funds and the purpose tar which each debit to the Funds was made. The Funds ere pledged as addiUonal� ` � , , <br /> � securiry tor ell suma secured by this Secutity Instrumzat ; � <br /> � If the Funds held by Lender exce2d the emounts permitted to be hetd by applicabla law,Lender shall account to 8ortower tor the � ' „ ,"� <br /> excess Funds fn accordartce with the requirements ot eppllcable lav�. If the amount oi the Funds hetd by Lender at any Ume is not • ��• ` :.. � j-__ <br /> suHident to pay the Escrow Items when due.Lender may so notify Borrower in writtng,and,in such case Bortower sfia!!pay to Lender i `.�.�r�+�=��_.`�-� <br /> �`' the amount necessary to make up ihe det3ciency. Bu�rowei shefi ralce up iha d�t3cl�Ly!st na morc than t�lvelve monthly payments. at =_-- <br />