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201201012 required by RBSBA, and Borrowee s6a11 pay to Lendee the nmounl necessary Co make up the de'Picieney in accordnnce with RESPA, hut in no more than 12 mo�ithly payments. Uppn paytnent in full of all sums secured by this Secuxity Insh�amant, Lender sl�all promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Botrower shall pay all taxes, assessmenl's, cha�•ges, fines, avd imposiCions atfributable to the Property which can aktain priority over this SecuriCy Instrument, leasehold pxqments or grou¢d xents on the Property, iP any, and Community Association llues, Fees, and Assessnzents, iP any. To fhe extent t'hat thcse iCems are Escrow Items, Borrower shall pay tlaem in the mannex provided in SecYion 3, Borrower shalL prompCly discl�ai�ge any lien which has pclority over this Securily instrument unless Borrower: (a)agrees in wriCing Ca the payment of the obligaiion secured by tlie lien iii a mapner aeceptable to Lender, but only so long as Borrower is perform3n� such agreement; (b) contests the lien in good faith by, or def'ends againsC enforcement of the lien in, lcgal proceedings whicl� i�i Lender's opinion operate to pzevent the enforcemenC of Yl�e lien while those proceedings are periding, but only until such pxoceedings are concLuded; or (c) sacures from fhe holder of tlie lien an a�reemcnC satisPacCory to Lender subordinating the lien to this Security Instcument. If Lender datainiines thaC any part of the Property is subject tn a lien whioh can attain prioriCy over this Security Iush�ument, Lender ntay giveBorrower a noCice identifying the lien. Within 10 days of the daCe ou whicli tliat notice is g9ven, IIprrowee shall satisfy the lieu or take one or more of the actions set forth above in this SccCion 4. Leiider may cequire Rorrower to pay .i one-timc charge Por n real estate tax vcrificatian and/or reporting service used by Lende�'in comiection with Chis Loan. 5. Property Insurance. Rortnwer sliall keep the improvemenCs now existing or hereafter erected on the Property insured against loss Uy fire, hazands included wifliin the terni 'bxtcnded coverage," aiic1 any other hazards ineludii�g, but vo[liniited to, earthquakes and floods, Yor whic6 i.ender requires insuranca. This iusucance shall be nuintained in the amounts (including dcductible levels) and for the periods that Lender xequires. What Lender requires pursuaut to the preceding sanCences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen Uy Borrowex snbject to Lender's right to disapprove Borrower's choice, which righe shall not be exercisetl unreasonablp, Iender may requirc Borrower ro pay, in connection with this Loan, eithec (a) a ooe-time chuge for flood zone deCermivation, certific�Cion and tracking services; o� (b) a one-fime charge for flood zone determination uid certifiaation scrvices and subsequent charges each timc remappings or similnr changes occur whieli relsoiiaUly migkit affect such determinatioi�or certiPication. Borinwer shall also be responsible for the payment of any fees imposed by tl�e Federal Emergency Management Ageiicy in covneetion wi[l� the review o'f any flood aone determination xcsulCing from an objection by Borcower. If Borrower fails Co mainta'rn any of the coveriges described al�ove, I.ender inay obCain insurauce covera�;q aC T,endcx's option aud Borrowei's expense. Lender is undee no oUligation Co purehase any particular type or amour�t of coverage. Therefore, such coverage sqall cover Lender, but might or miglit not protect Borrower, Borrower's equity in die PxopexCy, or the conCents of the ProperCy, againsY any cisk, hazard or liability and might provide gre.iter ox lesser coverage rlian was pxeviously in ePfect. Borrower aclmowledges rhat tl�e cost of the insurai�ce coverage so ohtained m[ght significanCly exceed the cost of insuxxnce that Borrpwer could hFtve obtaincd. Any amounts disbuesed by Lendec under this Section 5 shall become additional debt of Borrowcr secured by Chis Security Instrumenf. '1'hese amounts shall bear inCcres[ at the Note rnte fron� 6ha date of disbursement aud shall be payable, with such iuteres[, u�un noCice froqi Lender to Borrowcr requesTing paymeut. 24000232 iVE�RASI(A-Single f-aniily-Fennle MeelFreddie Mac UMFORM INSTf1UMENT Form 3028 710�1 VMP� VMP6ME1 I1 706� WolCe�s Kluwor Ylnanolal Seraloes Pogo 6 of 1]