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201207092 requised by RESPA, and 13orrower shall pay to Lender the amount necessary to makz up the deficiency in accordauce�vith I2ESPA, but in no more thazi 12 mon'�hPy payinznts. Upon payment in full of a11 sums secured bc this Security Inshument, Lender shall proixiptly:efund to Borrower any Funds held by Lznder. 4� Charges; Liens. Boxrower sl�all pay all taYes, assessments, charges, fines, and imyosirions attr�utable to the Property which can attain priority over this Security In�truinen[, lea.sehold pa}�ments or g�und rents on 1he Property, if any, and Coatmunity Associatiou Dues, Fees, and Assessments, if any. To the extent that these items are Fscrow Items, Borrower shall pay them in the i�-ianner provided in Section 3. Borrower shall prompHy discharge any li en whicl�has prioriry over this Securiry Inshument unless Borrower: (a) agrees in writing fo the payuient of the obligation Secured by the lien in a maimer acceptable to Lendez, but only so lang as Bortower is pexfonnuig such ageement; (�) contests the lien 3n good faith by, or dePends against enforcement of the lien in, legal proceedings which in Zender's opinion operate to prevenT the enforeement of the lien while those proceedings are pending, bui orly until such proceedings arc; concludcd; or(c) secures from the holda of the lien an ageemern satis£actory to Lcnder subordinating the lien to this Security insfrument. If Lender determuiee, lhat any part of'the Property i�subject to a lien wl�ich can attaia priority over this Seciaity Instrument, Lender may give T3orrower a norice identifying the lien. Within 10 days of the date on�vhich Uiat notice is�uen, Bo�ower shall satisfy the lien or take ane or more of the actions set fartl� abave in this Section 4. Lender may�require Borrowcr to pay a one-tune chazge for a real e,tate tas verification and/or reportnig service used bp Lender in connection with this Loan. 5. Property Insuranee. Borrocc•er shall keep 7:he improvemenls now e�sting or hereafta esected on the Properky iusured against loss by fiue, hazazds induded witlun the term"exiended cwerage," aud any oihet ha�azds includina, bui not limited to, eartnquakes and floods, for wluch Lender requires insuraz�ce. T1us insurance shall be maintaincd in the amounts(including deductible lcvels) and for the periods that L�der requires. What Lender requires puxsitant to the preceding sentencas can change during the term of the Loan The insurance carrier providing the insurance sball be chosen by Borrower subject to Lendex's right to clisapprove 13orrower's choice, which right sha(1 not 6e exercised unreasonably. Lender may require Bonower t�pay, in coxmection with tlus Loan, either: (a) a on�time charge for flood zone detennuiation, certification and tracking services; or(b) a one-time charge for flood zone deternunation and certificarion services and sLtbsequent charges each time remappings or si:nilar cUanges xcur which xeasona6ly might af:ect such deternvuation or certification_ Borrower shall also be responsible for the payinent of any fees imposed by the Federal Eincrgency Management Agency in connection udth the review of anp flood zone detennination resultuig froin ai�oUjection by Borruwcr. If Borro�ver fails to maintain any of the coveranes described above, Lender may obtain insurance eoverage, at Lender's option and Boirower's expense. Lender is Lmder no oUligat9on to purchase a.uy pazticular type or aznount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provlde greater or lesser coverage than was previously in effect. Boriow� acknowledges that the eost of the insurance covera�e so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any arnounLs disbwsed by i ender under this Section 5 shall become additional debt of Borrower seeured by this Seeurity Insizument These amotmts shall baar intetest at ffie Nota rate froin the date of disbursemeni and shall be payable, with such interest, upon notice from Lender to Borrower requcsting payment. zaaoisaz NFH!uSKASingle Fanily-Fannie M aeJFretltlle 0.9 ac UNIFORM INSTRU M�T Form 3028 1101 vm P� vw,Ps(Ne)(��os) W eliere Kluwe�Financisl Services Page b of tl