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2 012�529� <br />required by RESPA, and I3ocrower shall pay to Lender tbe amount aecess+azy to make up the defic'sency iu <br />accordance with RESPA, buC in no more than J 2 montlily payments <br />Upon payment ia full of all suans securcd lsy this Sccurity Instrumcnt, Laider shall pmmptly refuud to <br />Borrtswer any Fnnds held 4ry Lender. <br />4. Charges; Lieas. Hon�awer shall pay all tax�, ass�.•ssments, cfmrg�, fines, and iay�ositioas sttributable to <br />the Pn�perEy which caa attain priurity over thi� 3ec:urity instnuae;nt, ieaerI�ld paymen�ti or gaund renls on <br />the Property, if any, and Conamudity Association Du�, Fr�s, and Assevsm�ttts. if any. To the extent tl�t <br />these iEems are Escrow Ite,nis, Botrowet shall pay them in the ma.nner provided in Section 3. <br />Dorrower shall promptly dischar�e any lien whieh has priority over this Sece:tity Instnt�nent ontess <br />Borrower. (a) ragrees in writing to the payment of the obl'egation seeure,d by the lien in a manaer acceptabie <br />to Lendcr, but only so long as Borrowcr is perf�rming svch a�rrcement; (b) contests tbo lien ia �ood Faith by. <br />or defends agaunst eaforcement of the li�a in, legal proceedings which in Lender's opinion operate to prevent <br />the enfonce.ment of the lien white thos� prc�ceedings ure pending, bat ottly untii sach pr�eedings are <br />concluded; c�r (a} secsur� fre�m the holder of the lien an agreemeal satisfactory to Lender subordinatin� ti�e <br />lien tn thi� S�urity Instnunent. iP Lender datermines thsit uny �ri csf I.t�e Praperty is subjtxt lo x lian whieh <br />can attain priority over this Secarity IosWment, Lender may give Borrower a notice idsniifying the lien. <br />R/ithin IO days of the date on which tl�at notice is given, Borrower s{r�ll satisfy the lien or take one or mo;e <br />of the actians set forth above in Wis Section Q. <br />Lcndcr may require Borruwer to pay a ono-timc clffirge for a rc�l cst�te tax vcxification and/or rcpnrting <br />service as� by Lender in connection wikh this L.oun. � <br />5. Property Insurance. Boaower shalt keep the improvements now exisring or h�fter er�led on the <br />Property iasured against loss by fire, hazarda in+eluded within the term "extendetl coverage,° aud any ather <br />hsu.ards includiag, but nol limited Is�, c�rihyu�kes and Acnxin for which Lender requires int�ucaa�ce. Thitt <br />insiaance shall lse maiatained in the amonnts (including deductibie lev�ls) and for the periods that Lender <br />requires. W#tat Lender requires pursuant to the preceding sentences can clrange dwing the term of tlie Laan. <br />The insutsnce carrier providing thc insurance shal! be chosen by Boaower subject to Lender's right to <br />di�pprove Bortower's choice, whieh ri�ht sfrall noi be excxc:ised unreasonably. Lendet may require <br />Bosower to pay, in coaacction with this Loan, eithcr: (a) a ane-timc chacge for flood zone deteimiffirion, <br />certi6cation and tracking services; or (b) a one-time aharge for tlood zone determination and certificatian <br />services and subsequ�t charges each time semappings or similsu changes nccur which reasanably migiit <br />at�e�t such determination or certification. Borro�ver sball aiso be responsibte for the payment of any fe� <br />imtwsed by+ ihe Fecte�l Emergency Mranagemenl Agenc:y in conn�liun with the review uFany Qcxxi i,tme <br />determination r�sulting fiom an objection by Borrower_ <br />If Borrower fails to maintain any of the cove�ages de.�cribed above, Lender may obta'sn in.4urance coverage, <br />at Lender's aption anci Barmwer's expense. Leader is und�r no obligation to purchasc any particular type or <br />amount of covcragc. T'hercforc, suc� coverage shall cover Landrr, but mighi or might ttot protect Borrawer, <br />Borrowcr's cquity in thc 1'roperty, or thc contcats of thc Pcoperty, ggainst aay risk, ha�rd or Iiability und <br />migW pmvide gre�ater or lc� coverage than was previously in eff�t. Borrower ac�nowledges that the cost <br />of the insutanca coverugs � ohtained might significciintly exceed the eost of ins+nance that Barrawer eould <br />huve obtainnd. My amo�nts clisbuet�l by Lrnder undc.-r this Scz;tiun 5�hall Mxome adcfitiannl debt uf <br />Botmwer secured by this Security Inswment. These amoants shall beaz intere.st at the Note cate &om the <br />date of disbursement and sl�ll be payable, �vith such iaterest, upon natice fiam Lendet to Aortower <br />r«Nes�ng PeYme�. <br />�� Kh&b�gle Fa+roly-Famia hAaelFred4te AAee tiNIFORM INBTAU&lEN7' V � f �� ryt � <br />WOlte�a Klwaer Ftna�wiel �rvices Page 8 oi 1� <br />