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<br /> required by RESPA, and Borrower sha71 pay to Lender tha amount necessary to malce up flic dcfioicncy in
<br /> aecordance witl�R�SPA, but ia no more than 12 rnon$iiy f�ayinet�tc.
<br /> Upon payinent in tull of all swns secured Uy this Sccurify InstrumanC, Londer sha71 proixiptly refund to
<br /> Bon ower any P'�md�hcld by Leiidcr.
<br /> 4, Charges; Liens. ]�orrower shall pay all taxes, aasesements, charges, fines, and impositions atEribuEahla to
<br /> t1�e Prop�ty wl�iol� cttn attain��rioriCy over Chis Security Instrument, leasehold pz�ymants or grotuid renis oi1
<br /> thc Propercy, iP any, nnd Cbnununity Aasociation Dues, Fees, azid Assessments, if a�y. 7'o thc c;xtcnt that
<br /> Chese itema nre Escrow Items, Borrower shall pay them in tlie mannor providcd in 3ecLion 3.
<br /> Borrowet shall promptly discharge any lien which haa priority over this Sccurity[nstrument unlesa
<br /> I3orrower: (a) agr�ros in writing fo Che payment of the obflga�tion aeoured by Yhe fien�in a manner acceptable
<br /> to Londer, but only so long xs IIorz•ower is pexforming such agreeme�rt; (U) conteats thc lien in geaod fa3lh lay,
<br /> or defends egninsY etzforeamenti of tha lien iu, legal proccedings which in Lender's opinion operate to prevent
<br /> fhe anforcemant of the 1ien while thoso procecd'u�gs aee pending, Uut only until such proceediugs are
<br /> concludoci; oP(c) eccuros�fi•oin hhe holder of the lien an agxeemant sa2isfactory Co Lender subordinating tihe�
<br /> ]icn to Sl�is Seourity Inskrument. Tf Lender detennines that any part of the Yropc�'t}+is hu6ject to a lien which
<br /> oan attai�priority over this Sectu'ity Inatrmnent, l,ander inay�;ivo Borrower a nofioe identifying the lien.
<br /> Wi�liin 10 daya of Lha d�te on which that notioc is given, IIorro�ver shall sntiefy the lien or talce one or�nore
<br /> of tl�e actions set forth abovo v� this Seouon 4.
<br /> Lander tnay requira Borrower Co�ay a one-time chnrge for a raal estate tax veriflcatioti and/or rcporting
<br /> scr vice tised hy Lender in conriection wiCh 4his Loaii.
<br /> 5. Property Insurance, Borrower slzall keep tl�e improvements now cxiei#ng a�r 1�ereafGer erectecl on the
<br /> Pxoperty inauxed against loss Uy fire, ha�ards iuchicted witl�in fha term"extsnded r,overage," and aziy othar
<br /> hazards including, but uot li�niteci'Co, eacthqual�es and floods, f'or wluch Lender i�ec�uires insuranco, 'Phis
<br /> ilisutanoe shall bo n�ainCained in the amouiris{ineluding deduct�ible levola) and for tl�e pe��iocls tl�at Lencler�
<br /> require�. What Lender requires pursua�it to tl�e precedir�g aentcnices can ohat�ge during the Cerm o£tha Loan.
<br /> The insuxance cArrier provicling the insurancc shall be chosen by IIorrower subject to Lender's ri};ht to
<br /> disappirove Borrower's cl�oico, which rigl�iC shnll not be exercised tuuaasonably. i,ender mny requirc
<br /> Bonower to pay, iis com�ection with this T,aan, either: (a) a on�tiiuo chargo Fox flood zone determinAYiorr,
<br /> certification aatd trackinb serviccs; or(b) a one-ume chm•ge for floc�d zona determinatioi�aud cortifiicaCion
<br /> services and suUsonuent ohnrges �ch time r�mappiiigs or siinilar allan�res oacur wliich reasnaznhly miglit
<br /> affecf suoh determinFttiozi or certitication. Boxrower�;hall al�o be xesponsiUle£ar the paymant of'any fees
<br /> imposed by Cha Pederai Fanergency Managemenc Agency in cotmection with the reviaw of any flooxi zono
<br /> � determination rostiilting finni an objecGon by Borrower.
<br /> IP Borrowar�v1s to maintain any oP lhe coverages described abova, Lender may obt;ain insurance eovernge,
<br /> at Lender'a op6�n arid Borrower's e�cpense. Lender is mider no oblige�tion to p�u�cl�ase any particnlar typo or
<br /> amount of coverage. Therefore, sucl�coverage ahall covcr Lcudcr, hu6 vught or might not proYect Borrower,
<br /> Borrower's equity in Yha Property, or the contonts oP Che Property, agtunst nuy risk, Iiazard or liability and
<br /> might provide�greater or lcsscr coverage[han waspreviously in eP£ecC. Rorrower aclmow]cdg�,9 thnC khe oost
<br /> of fl�e insurancc coverage�so obtained mig�ht signi�Ficuitly oxcocd thc cost of instu'ance thnt Borrower could
<br /> hnve obtained. Any ttu�ounts disbursed by Lendcn' imder Llvs Section 5 ehall b8come ndditional debt of
<br /> Borrower eecw•ed by tl�ie Sco4u-it}�InsCnnnent. These amouiits sha11 beaz� interest at the Nofo iate from the
<br /> date of diFb�i4sen�en[nnd shall be pa,yable, witk such interest, �ip�xi notloe Gom Lexider to Borrower
<br /> reques[ing payment.
<br /> x400iais
<br /> N�o�2fr6KA�HIngleFamlly-FannleMeelFreAdle Mao 11NIFDRM IN6TRUMENT form 3P�-0 7/01
<br /> vM p p vwPe(Nel(t�oe7
<br /> Woltera Kluwer Finenciel Servloa,s � Page e of 1'/
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