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201207612 req�ired by RESPA, and Borrower shall pay to Lender the atuount necessary to make up the deficiency in accordance mifk RESPA, but in no more than 12 monthly payinents. Upon payment in full of all sums secured by this Security lnshuxnent, Lender shall prornptly refund to Borrower any Funds held by Lender. 4� Charges; Liens. Borsowec shall pay all tases, asessmen#s, charges, fines, and impositioivs attributable to the Property�n�hich can attain priority over this Security Insinunent, leasehold payments or ground rents on the Property, if any, and Coinmunity Associakon Dues, Fees, and Assessments, if any. To the extent that tllese Items arA EsCrow Items, Bo�ower shall pay them in the manner provided in Section 3. Bonower sha11 promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a)agrees in wxiting to the pa}anent�f the obligation secured by the lien in a manner acceptable fo Lender, bu[only so long as Borrower is perfomiing sucU a},neement; (b) contests the lien in good faith by, or dePends against cnforceme�it of the lien in, legal proceedings which in Lendu's opinion operate to prcvent the enforcement of the lien while those proceedings are pending, but only until such proceedings aze concluded; or (c) secures from the holder oP the lien an ag-eement satisfactory to Lender subordinaYing the ]ien to this 5ec�rily Ins4ument. If Lender determinee that any part of 1he Proper[y is subjecE to a lien wluch can attain pnority over this Security Instrnment, Lender may give Eorrower a notice identifying the lien. Witlun 10 days of the datc on which that notice is given, Borro«er shall satisfy the lien or take one or more of thc actions set forth above in this Section 4. Lender a�.ay requixe Borrowet to pay a onatime chaz�ge for a real estate tax vzrification and/ar xepoxting secvice�ased by Lender in connection with this Loan. 5. Property Insurance. Borro�ver shall keep the unprovements now existing or hereafter erected on the Property insured against]oss by fire, hazards included within the tenn"extended coverage," and any othei hazards including, but not limited to, eazthquakes and floods, for which Lender requu€s insurance_ 'Phis insurance shall Ue mzintained in the amounts (including deductible leuels) and fpr the pectods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the tenn of tl�e Loan. The insm-ance carrier provicling the insurance shall be ehosen by Bprrowez subject to Lender's right to disapprove Borrower's choice, which ri�ht shall not Ue cxercised unreasonably. Leader may require Borrower to pay, In connectian witki this Loan, eitha: (a)a onatime ctu�rge iar flood aone determination, certificarion and tracldng services; or(6) a one-timc cliarge for flood zone determination and certification services and subsequent charges each time remappings or sunilar changes occi�r which reasonably might affect such determuiation�r certification. Borro�✓er shall also be responsible for the payment of any fees imposed by the Federal Eincrgency Management Agency in connection with the review of tmy Ilood zone determination resulting from an obj ection by Borrower. If Borrower fails to maiutain any of the coverages described above, Lender may obtain insiu-ance coverage, at Lender's option aud Borrower's expense. Lendcr is iwder no obligation to purchase any particul�L}�pe.or am�unt of covera�e. Therefoce, such.coverage sha11 cover Lender, but might or might not protcct Borrower, Borrower's equity in the Properry, or the conCents of the Property, agauvst any risk, hazard or liabiliiy and might provide greater or lesser coverage than was previousiy in effect. Borrower acknowledges that the eoaf of the insurance coverage so obTained might sigoificantly exceed the cost of insurance tliat Borrower could have obYained. Any aluoLmts disbursed Uy Lender upder this Szction 5 shall becrnne additional debt of Borrower secured by this Security Instrument. These azno�mts shall bear inlerest at the Note rate from the date�f disUutsement and shall be payable, with such interest, upon notice from Lender to Boirower requeshing payment. zaoozizi NFEk51(A-Sin91e Family-Fann[e M aeiFreadie n9 ac U W FOFUn INSTRUn1-.T�T Pmm 3628 Ue 1 V�dP(g' Vbi P6(NE)(i 105) W oliers KWw er Financi�l Seevices Page B of'I]