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<br />required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in
<br />accordance with RESPA, but in no more than 12 monthly payments.
<br />Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to
<br />Borrower any Funds held by Lender.
<br />4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to
<br />the Property which can attain priority over this Security Instrument, leasehold payments Or ground rents on
<br />the Property, if my, and Community Association Dues, Fees, and Assessments, if any, To the extent that
<br />these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3.
<br />Borrower shall promrptty discharge any lien which has priority over this Security Imstrument unless
<br />Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable
<br />to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by,
<br />or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent
<br />the enforcement of the lien while those proceedings are pending, but only until such proceedings are
<br />concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the
<br />hen to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which
<br />can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien.
<br />Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more
<br />of the actions set forth above in this Section 4.
<br />Lender my require Borrower to pay a one-time charge for a real estate tax verification and/or reporting
<br />service used by Lender in connection with this Loan.
<br />5 Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the
<br />Property insured against loss by fire, hazards included within the term "extended coverage," and any other
<br />hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This
<br />insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender
<br />requires. What Lender requires Pursuant to the preceding sentences can change during the term of the Loan -
<br />The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to
<br />disapprove Borrowet` s choice, which right shall not be exercised unreasonably- Lender may require
<br />Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination,
<br />certification and tracking services; or (b) a one-time charge for flood zone determination and certification
<br />services and subsequent charges each time remappings or similar changes occur which reasonably might
<br />affczt such determination or certification. Borrower shall also be responsible for the payment of any fees
<br />imposedby the Federal Emergency Management Agency in connection with the review of any flood zone
<br />determination resulting from an objection by Borrower -
<br />If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage,
<br />at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or
<br />amount of coverage. Therefore, such coverage shall cover Lender, but inight or might not protect Borrower,
<br />Borrower's equity in the Property, or the coments of the Property, against any risk, hazard or liability and
<br />might provide greater or lesser cover age than was previously in effect- Borrower acknowledges that the cost
<br />of the insurance coverage so obtained inight significantly exceed the cost of insurance that Borrower could
<br />have obtained, Any amounts disbursed by Lender under this Section 5 shall become additional debt of
<br />Borrower secured by this Security Instrument- These amounts shall bear interest at the Note rate from the
<br />date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower
<br />requesting payment -
<br />24001494
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<br />�%lolters Kiu.er Fmancial Sermes Page 6 ot 17
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