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201206261 required by RESPA, and Borrower shall pay to Lender the amount iiecessar� �o tx�al<e up Che deficiency in accordancc wifh RFSYA, but in no mnre Chan 12 monChly�aymcnts, Upon p.ryment in full of all sums sectiired hy Yltis Security Iizstrumen�, Lcnder sl�all promp8y refund eo Borrowor any Funds held by L,ender. 4. Charges; Liens. 13orrower shall pay all Yaxes, assessments, char�;cs, fines, and impositions attribu�able to Chc Prapertq whicf� can attain priority over thls Security InsCrument, leasehold paymez�ts or ground rents on the Piroperty, if any, nnd Community Associati�i Dues, Pees, aud Assessments, if ai�y. To Che exCeuY tl�at tltese iYems are Escrow Items, Borrower shall pay them in the manner providcd in Sectlon 3. Borrower shall promptly discli�u�ge any lien which has�prioriCy over tl�ie Securi[y InsC�uinent unLess Borrower: (u) agrecs in writing to the payment of Uie obligation secared by Che lien in a manner acceptable to Le�ider, buC only so]ong as Borrawer is peTforming such agreement (b) conCests the lien in good Paith by, oe dePends against enforeement of the Iiai1 in, legal proceedings wliicli in I,ender's op3nion operate to prevent the enforeement nf the lien while those proceedings are pending, Uut only until such proceedings are conclttded; or(c) seciires from Uie holdcr oP the lien an agreement satisYtictory Co L.ender subordinating the lien fo this Security Instrun�cnt. Pf Lender detenr�ines [hat any paxt oP Che Properry is su6ject to a lien which can atttiin priority over this Sectiiriry Instrtunent,Lender ii�ay giva Borrower a notice identifying t'he lieiT. Witliin 10 days of the date oo wliich that notice is given, Rorrower shall satisfy tl�e lien or take one or more of the actions set forth aUove iu this Section 4. I,ender may reqttire Borrower to pay .i one-time charge for a real esta[e[ax verifica[ion and/or reporting serviee used Uy Lender in oounection with this Loan. 5. Property Insuranee. Borrower shall keep Che itnprovemenCs now existing or heraaftgr erected on the Property insured ag�inst loss by 19re, hazards included within the teru� "exCended coverage�," ai�d any oi�har� ]�aaards iucluding, but noC limi[ed to, earthqual<es aud floods, Por wl�ich Le�dec requices insurance. 'i'his in�urance shall be maintained in ehe amounts (includ�n�deductible Ievels) and for the periods that Lender rcquires. WhaC Lender requires pursuant ta t6e preceding senCences can ch�mge during the ferm of the Loan. Che ineurance earriei providing the insurance shall be chosen by Borrower subject to Lendei's riglit to disapprove Borrowec's choicq which righC shall not be exercised umeasonably, Lender may reyuirc Bonower to pay, in connection with tliis Loan, eitl�er; (a) a ane-time eliarge for flood zo�c determinption, cerCiPication and treckii�g services; or (b) a one-tiine charge for tlood zonc deCermination and certitic�tion seiviees and subsequent chargcs each time remappings oc similar changes oecur whicli eeaso»xbly might affect sucli deterininaCion or ceetificatiou. Borrower shall also be responsiUle for the payi�ient of any fees imposed by the Rederal Etnerg�ency Management �Ageucy in conneeYion wiCli the review of any flood zone delcrminaCion resulting fmm an oUjection by Borrower. If Bc�rrower fails Co maintain any of the coverages described above, Lender may obtain insu�ance coverage, at Lender's option and Borrower's expe�isa. Leu[ler is under no obligation to purchasc a�y particular rype or vnount of eoverage. Therefore, such coverage shall cover Lendex, Uut might or might not protect Borrower, IIorrower's equity in the ProperCy, or lhe contenYs of Che Property, against any risk, liazard or littbility and might provide greater or Iesser coverlge dian was previously in efFect. Bnrrower acl<nowleclges that the cose of fhe insu�ance coverag'e so obtained might sigiiiPicanCly exceed the cost of i�isurance that Rorrower could have obCained, Any amoimts disbursed by Lender under tliis Section 5 shall become additional debt of Borrower secured by this SeeuriCy InsCcument. T1�ese a�nounts shall bear interest aY Yhe Note rate from lhc d2te of disbursemcnt aod shall be payahle, wifh such interesC, upon notice from Lender to Borrower requesting payment. � 24001583 NEeFA9KA-Slnqle Femlly-Fannle MaelFreddle Mao IIMFONM INSTRUMENT Ponn 3028 VOl VMP 7 VMPGINEI p 105� Wolimo ICluwor Finanaial Servicea N�g°�°t��