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201201201 reqixired Uy RLSPA, and Borrower sl�all pay to ],ender the amount necea�ary to�na1ce up the deficiency in accordnnoc wit1i'RESPA, but in no mare Chzn 12 montl�ly payineuts. Upon pa}nuent in f'ull of all sums secnrcd bq tlus Security Instrument, Lendcr sha11 promptly refund to Borrowcr auy Pmids held Uy Lender. 4. Charges; Lien&. Borrower sha11 pay all taxc,�, assessmeirts, chaz•ges, fine.s, and impositions aYkributable lo Che Piroperty which can attani priority over thiF Sccurity Instrunienti, leasehold paymu1nCs m��;round rents on the ProperLy, if any, and Cotmnwiity Associa�tion Dues, Pees, and Asaessments, if any. To the extcvE tl�at these iteins v�e 8scrow Iteme, Borrowcr shall pay tl�ein iu the mamier�rovidcd in Sectimi 3. Borrower ahall promptly discharge a�ry lien which has priority ove�� this Sceurity Instrmnent miless Borrower: (u}agrees in writing to tha payment of Che obligatiou secuced Uy Yhe lien in n marmer acceptable to Lender, buC only ao long as Borrower is performing such ngewmc��t; (b) contests the lien in good faith by, or defends flgainst enforcemont of the lien ni, leg�al proceedings which in Lender's opinion opernte w prevont the enfoiroement of the lien while Chosc procoedings a�-a peuding, but only iwlil s�ich proceedings pre concluded; or(c) seaurea from the holder oP tho lien au ageeement satisfflctory �o Lender suUnrdinaCing the lien to this Security Instnuneiit. If Lender deterinines ths�t any parC of the Property is subject tn a lieu wluch can eEtain priority over this Sectiuity Iustirumsnt, Lender may givo Bon owe��a notice ideutifying tl�e licn. Within 10 days of the date on which that nofice is given, Bon•owex ahnll satisfy thc lien or take one or more oP tha actions set forth above in this Secfion 4. Lender may require Bon o�ver to pay a one-time chatgo fr�r a real astate tax verification ancVor roporting seiviee used by Londce in connectlon with this Loan. 5. Property Insurance. Borrower shall keep the improven�ents now existing or hereafter erected on thc Proper6y insured against loss by fire, hazards included witivn fhc tcrm "extended coverage," nnd euy othcr hAZards including, bnl nof limited to, earthquakes vid floods, for whioh Lender requires instuance. This iiisw•ance shall be meintained in the amounts (including deductible levels) �nd fnr Chc periocis tliat Lander rcquiros. What Lendar requires pursu[tnt to the preceding sei�tences cau change dming the term of the'[,oan. The insi�ranoe carrier providiiig the insurance shall be chosen by Borrowcr subject to Lender's right to disapprove Borrower's choioe, wuich xight sha11 uot Ue exercised ux�rensonably. Lcnder may reqnire Bor-xowor to pny, in conneclion�=rith tliie LoAn, eifl�er: (a) a oiic-time,oharge for flood zone clel'ermivation, certification and h•acking servioes; or (IA} a oue-time charge for flood zone defennination and certifieation aaivices aud suUsequenf cha�•ges eech t9me 1'emappings or similar cl�anges occtu•whioh reasonably might affecC sucl� doter�mination or certilication. Borrower shall also be responsible foc the payment of any fecs imposed by l9ie Federal L+mcrgoncy Management Agency in eonnecfion wiN�t1�e review of tuiy flood zone determinetion xesulring �om an oUjection by Iiorrower. If Boxxower fails Io mainC2in any of the coverages described above, Lend¢r muy oUtain insurauce coverage, ak Lender'g option end Bor�•ower's expensc, Lender is under no oUligntion to�m'chz.sc at�y partieulu type or arnoutit of coverage. Tlie�efore, such covernge shall cpver Lcndar, l�tirt might or might not proteot Sorrower, Borrower'e equit}�in lhe Prc�perty, or the contients of the Pt operCy, againet any rislc, haaard or liak�IliLy and nugliti pirovide greater or lesser oovernge thau was previously in affect. Borrower aclmowlcdges fhat Yhe cost of thc;insurance coverage so obtained might significauEly excced the costi of insurance thnt Borrower could hlve o6tained. Any amotmts disbursed Uy Lender under this Sec�ion 5 sfiall becoma additionel debf of Borrower seol�red by this Security Instrwneut. These amounts ehall bear interest at the Note rata fi•om the date of disUwaement and shall Ue payaUle, wiH� such interesC, upon noEiee fi�om Lendor t+� Borrowar reqnesti�tg pay�nenti. NE�RA51(A-SImleFamil FannietAaelFredtlieblacUNIFORA7INS'I"RUh1ENT 24-000323 �N�P� ] Y� Porm 3028 1701 Woltera Kluw er Finenoial Stirvlcee VM PB(NE)(7106) Page 6 oF 1�