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201201356 required by RESPA and Borrower shall pay to Lender Che amount necessary to make up the deficiency in accordance with ItESPA, but in no moxe than 12 monthly pa}nnents. Upon payment in full of all sums secwed by this Sec�ity InstrLVnent, Lender nhall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens_ Borrower sha�l pay all taYes, assessmenks, cl�arges, fines, and imposirians aitributable to Che Properiy which can attain prioriry over tlus Securiiy Instrument, lcasehold payments or growid rents on the Property, if any; and Co�mnunity Association Dues, Fces, and Assessments; if any. To the extent that thcse items aze Escrow Items, Borro�ver shall pay them in Che inanner provided in Section 3. Borrower shall promptly dischargc any lien which has priority over this Security Instrument unless Boaower: (a) agrees in�iting to the payment of the abligation secured by the lien in a rnanner acceptable to I,ender, bnt only so long as Borrower is p0rformuig such a�reeuient; (b)cositests tUs lien in good faidi Uy, or dcfcnds aa inst enforcement of the licn in, Iega1 proceedings which in Lender's opinion operate to prevent the enforcement of the lien�x�hile those proccedings are pending, but only until such proceeciings are concluded; or(c) seeures from the holder of the lien au ageeinenC satisfactozy to Lender subordinating tha lien to this Securxty Ins�mncnt. If Lender determines that any part of flie Froperty is subj ect to a lien�vhich � can attain priority over trus Seeurity lnshmnent, Lender may gve BorroR�er a notice idenrifying the lien. Plitivn 10 days of the date on which That notice is�ven, Barrower shall safisfy the lien or take one or moxe of the actions set forth a6ove in this Section 4. Lender tnay require Bo�ower to pay a on�time ehaxge for a reai cstate tax verification and/or repoxting servicc used by Lender in connection wiih this Loan. 5. Property Insurance. Sorrower shall keep the unprovements nov✓e�sting or hereafter erected on the Properly insnred against loss by fire, hazaxds Included witYun the tenn"extended coverage;" and any othex hazazds including; Uut not limited to, earthquakes and floods, for which Lender requires insurance. lhis insurance sl�all be maintained in the amounts(including deductible levels) and far the periods that Lender requires. What Lender requires pursuant to the preceding sentences can chatige durina the term of the Loan. The insuranue carrier providing the insurance shall bc chosen.by Borrower subject to Lcnder's right to dieapprove Borrower's choice, which xight shall not be e�etcised mucasonably. Lender may require Borrower to pay, in coimecrion with this Loan, either: (a) a onatune chazge for flaod zona detennination, certification and trackiug services; or(b) a one-riine chazge for flood zone detenninarion and certification services and suUsaluent charges eacli time remappings or similar changes occur which reasonaUly might affect sixck deEermination or ceriif�icarion. Sorrower shall also be responsible foz the payuient of any fees unposed bv the Fecieral Emeraency Management Agency in connection with the re�'iew of any flood zonz determination resulting from an objection by Borrower. � If Borro�ver fails to maintain auy of the coverages described above, Lcnder may obtain insurance coverage, at Lender's oprion and Borrower's eapense. Lender is under no oUligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Leader, but inight or xnight not protect Borrower, Borrower's equity ui the Property, or the contents of the Property, against any rlsk, hazard or liability�and mighT provide greater or lesser coverage thzn was previously ni effect. Borco�er aekno�cledges that tl�e cost of the insurance coverage so obtained might significantly exeeed the cost of insurance that Botrower could have obtained. Any amounts disbursed by Lender under this Secrion� shall become additional debt of Bosower secured by this Securlty ffistic�meat These amounts sha11 bear itrteres4 at the NoCe rate from the date�of disbursement�nd shall be payable, u-ith such interest, upon notice fram Lender io Borrower � requcsting payment � za000a>z NE3R45KA-Sinylc-Fam ily-�annie P9 aelFredOie 1d ec UNIFORIvI INSTRUbI ENT Form 3028 U01 VMP(n� VMP6(N�(1105) Woltere KI Wusr Floanclal Servioes Page 6 of 17