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201201749 required by RESPA, aud Borr�wer shall �ay to Lcnder the amoui�e necessary to inaka up [he deficiency in accordance wid�RF_,SPA, but� in no�uore t��an l2 monthly paymenGs. Upon payn7ent in fii11 oP all sirms seeured by this SecuriYy InsCrument, Lender shall promptty refu�d tn Borrower any Punds lield Uy Lender. 4. Charges; Liens. Borcower shall pay all taxes, assessnlents, char�;es, fines, aild iinpositioi�s attributable to Cl�e Property which can attain priority over this SecuriCy Instrmnent, leasehold payn�ients or�ground rents on ll�e Pro�erfy, if any, and Comn�unity Aseociation llucs, Pees, and Aasessmeilts, if nny. 'Co tl�e extcnt that these items are L�scrow Items, Borrower shall pay Chem in the manoer provided in Section 3. Borrower shall promptly tlischarge a�iy lien which has prioriCy ovex this Security TnstivmenC unless Borrower: (a) agrees in writing to the payment of the obligation secured by thc lien in a nianner acceptable to Lender, buC only so]ong as Rm�rower is perfonniug such ag��eement; (b) eo�tests the (ien in gnod faith by, or defends agninst enforcemellt of the lien in, tegal proceedings which in Lender's opinioll operate Ya prevenC tLie enYorceinent of tl�e lieii while those proceedings are pendiug, but onty uiitil such procaedings are concluded; or(c) secu�es fro�ii tLe holder oi'the lien an agreemenl saCisfactory to Lendec subordinaCing the lien to tliis Securi[y InsG ument. If Lender determines thae any parC of eh,e Property is sub.jeet to a(ien which caa attain priority over lhis Security instrument, I,ender may give Rorrower a notiee idenCil'ying Che lien. WiChin 10 days of the date on which tqat noYice is given, Borrower shall satis�Fy tlie lien or take oue or more oi'the actions sef focth above in this SecYion 4. Lender may require Borrawer ro pay n one-time charge for a real estaEe tax verificatiou and/or repoxting seivice used Uy Lei�der in comiection witli tliis Loan. 5. Property hisurance. Borrower shall Iceep tlze impirovcmcnts nr�w cxisting or bercafter erected on the Property iEisured against loss by fire, hazards�incLuded witl�in the term "extended eover�age," and any nther l�azards including, but noC limited Yo, eartl�qualces and floods, for whicla Lender requires insurance. Tl�is insurance shall be maintained in Che amounfs (includirtg deducCible Jevels) and for the pertods that Leiider requires. What Lender requires pursuant to tl�e preceding sentences cai� chvige during the term ot'the Loan. Tl�e insurai�ce carrier�roviding the insm�wce sl�xll be choscn by Borrower subj�et to Lei�der'a rig1�Y f�o disapprove Borrower's choice, which right shall not be oxcrciscd unceasonably. I.ender i��ay rcquire Borrowei�Co pay, in wnncction wi[l� this Loan, eithei: (a) a o�e-time charge for flood zone deferinination, cer[ifieation �nd tracking seivices; or (U) a on�time charge f'or tlood zone deterininatioi�tmd cerYification services and subsequent cl�aiges eacli tiine remappings �r sini3lxc cl�ttnges occur whicl� reasonably mighC affect such determination or certification. Borrower sha(1 also be responsiblc for the payment of ally fees imposed by I�he Federal Emergency Managemerit Agenpy in connecYion with tlie i�view of any flood zone determination residting from au objectiou by Borrower. If Sorrower fails to maintflin nny of the couera�es describcd above, Lend�r inay obtain insurance coverage, at Lci��der's option and I3orrower's expenee. Lendec is ui�dec uo o6ligation to purch2se anp partieulax rype or amount of coverage. Therefoce, snch coverage slialL cover Lender, but might or nrigl�t not protect Ro�rower, Boxrower's equity in the Properry, or the�contents of tlie Property, �ag�ainst ai�y risl<,hazncd ot'liabllify and mighr prov'rde greatec or lesser coverage dian was prevtously iii effect. Borrowcr acknowledges that the wst of the iilsurancc coveragc so obCained nvght SignifieanCly exceed Che cost c�f insurat�ce tlint Borrower could have obCained. Any ainowrts disburaed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrimie�rt. These.unounts shall l�eu�interesC ac Ihe Nofe tatc from tUe daCe oP disbursement and shall be payable, with sueh intcrest, upon notice from Lender to Borrower iequesting p�ayment. znaooass NE6FlASKFl-Single Pamily-fannle Mae/Fraddle INac UMFORM INSTFt1MENT fvrm 3020 1/01 VMP Cq` VMV6INE��1105� Wol[are Kfuwer Flnznolel Servlaes � Page 6 oF n