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201207691 rcquircd by KL:SPA, and Borrower shall pay to T,ender t7ie pu�omiti necessary to make up the deficiency iu accordanoe with I2ESPA, but in no inore thun 12 monChly paymonts. Upon paymenC in full of all suxns securcd by this SecuriCy In�trmnent, 1,ender shall promptly rafund to Borxower any I+unds held by Lender. 4. Charges; Liens. Boxrower shall pay all tnxes, nasessments, charges, fines, and impc�iNons attributable Ro the Property whieh czn attain priority over this �ecwity Tneh•ument, leasehnld�ay�nenks or �,n�o�md rents on the Property, if ury, aud Coixuuunity�lssociation Duas, Fees, and AssessmenYs, if any. To the exfenc Chat Uiese items are N�scrot�ltems, ]3orrower sha11 pay them in the mamier provided in Seetion 3. Rocrower shall.pinmpl9y dischar�e any lien which has prior'rty over this Security Inst��umenk unless Borrower: (ti) agrees in wiiCing lo Lhe p�ymenl oP the obligal ion secured by thc licu in a manncr accept2ble to Lender, but onlq so long as Borrower is performing such agreexnent; (b) coutests the lien in good faifh by, or defends abainst enforcement of the lien in, legal proceedings which in Le�ider's opuiion operate fo prevent thc cnforceinent of Che lien while those prooeedings are pending, but only witil vuoh proccaiii�gs are ooncluded; or (c) secures from the holder of the lien nn agreement satis£nctory to Leuder aul�orciin�uing the lien to this Secmity IueUwnent. If Lander determiues that any paat of Che Pro�erty ie subjecC to a lien which can attain priority ovcr thie Sec�uity fnshu�ncnt, Lc��der may givc Borrowe�'a notice idenHfying the lieu. Within 10 days of tl�e date ou wl�icl� h1�aC noCice is given, Borinwer shall satisfy Yhc licn or talm one or more of Uio acCions set forth above in this Section 4, Le��der may rcquire 13oi�ro�ver Co pay a onc-time charge for a real esCale lax verifioaCion andfor reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower sh�ll keep fhe improvesnents now existiu�or herea£ter erected osz the Piroperty inaured against losa Uy fire, liaztu'ds included within The terin"extended coverage," vid aaiy other haaards inoluding, but noE limited to, earthqualms and loods, for which Lcndcr rcyture.s insuranco. 'Chie irisurancc�shal]bc man�tained in Che�moturta(inchiding deduotible levets) and for Lhe periods that Lender requires. Whnt Lender xequires pursuant Yo the preceding sentances can ahznge during the tarm of the Loan. The insurance oazrier providing the insurance shall Ue chosan by Borrower snbject to Levder'e right Co disapprove Borrower's choice, whioh right sha71 not be excrciscd unrcaaonably. Lcndcr may rcquirc Bon�ower to pay, in coimection wiYh this Lonn, eifhet: (a) a one-6iine chatge for flood zona deteniunalion, certification and haoking� seivices; or (b) a one-time charge fo� flood zone determi�tation and certification services end suUeequent cl�arges e�tcl� time rcm�ppiugA or eiinilar changes occtrr which reason�bly mighk affcct sueh cictermination or ce��tificatiou. Borrower shall also be responsible for the�ayment of ariy feee imposed by the Pederal Em�rgency Manage�nenC Agency in conuection witll tbe review of any flood zone detiermination resulking from an objcction by Borrower. If Borrower fails to maix�kaii� any of tho covcrages deseribed above, Lender may ol�k�in insm��noe coverago, at Loudcr's opHoi�aud Borrower's expe�ise. Lender is under no obligation to purchnee any particulnr type ar amount of coverage. Therefore, such coverage sl�all cover Lender, but mighC or might not proCect Borrower, Borrower's equity ui Uie ProperCy, or tihe coiitents of tl�e Yroperly, eigainst any risk, l�azard or liability and might provide��eater a�1esser coveragc tl�an w�e proviously in offecG Bonrower aclmowledges ChaC ilie cosC of the irisurancc covcrage so obclined might aigni&oantly exceed flie ooat aF insurnnce that Borrower eould hlve oUf�ained. Auq nmounts diabursed by Lender mider tliis Seotion 5 ehall Uecome addiCional deUC of' T3orrower seow•adby t1�is Sectiu'ity Instcument. These amozu�ts ehall bcar intic�rest at t1�eNotc rato froir� thc date of disbtiu�semcnt and shall bc payable, with such i�iterest, npon notice fi�om Lezider to Borrower rcqnceCing pa}nnent. — —�------ � --- � zaaotzsa NG6RA51<A-Single family-Fannle Mae/Fretltlle Mac UNIFOkM WS'IRUMEiVT Po�m 3D28 1l01 VMP(ry VMPs(NE�(Y7051 Wollara Klw�er Rnnndxl Servlcea Page B of 17