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� � mortgage loan may require for Borrower/Trustor's escrow account under the federal Real Estate Settlement Procedures Act of 1974 as amended from time to time, 12 U.S.C. Section 2601 et seq. ("RESPA"), unless another law that applies to the Funds sets a lesser amount. If so, LenderBeneficiary may,at any time,collect and hold Funds in an amount not to exceed the lesser amount.} LenderBeneficiary may estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow items or otherwise in accordance with applicable law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity {(including LenderBeneficiary, if LenderBeneficiary is such an institution)} or in any Federal Home Loan Bank. LenderBeneficiary shall apply the Funds to pay the Escrow items. LenderBeneficiary may not chaxge Borrower/Trustor for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless LenderBeneficiary pays Borrower/Trustor interest on the Funds and applicable law permits LenderBeneficiary to make such a charge. However, LenderBeneficiary may require Borrower/Trustor to pay a one-time charge for an independent real estate tax reporting service used by Lender/Beneficiary in connection with the loan secured by this deed of trust, unless applicable law provides otherwise. Unless an agreement is made or applicable law requires interest to be paid, LenderBeneficiary shall not be required to pay Borrower/Trustor any interest or earnings on the Funds. Borrower/Trustor and Lender/Beneficiary may agree in writing,however,that interest shall be paid on the Funds. LenderBeneficiaxy shall give to Borrower/Trustor,without charge,an annual accounting of the Funds, showing credits and debits to the Funds and the purpose for which each debit to the Funds was made. The Funds are pledged as additional security for all sums secured by this Security Instrument. If the Funds held by LenderBeneficiary exceed the amounts permitted to be held by applicable law, LenderBeneficiary shall account to Borrower/Trustor for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by Lender/Beneficiary at any time is not sufficient to pay the Escrow Items when due, LenderBeneficiary may so notify Borrower/Trustor in writing, and,in such case Borrower/Trustor shall pay to LenderBeneficiary the amount necessary to make up the deficiency. Borrower/Trustor shall make up the deficiency in no more than twelve monthly payments,at LenderBeneficiary's sole discretion. �