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201208064 requitcd by RESPA, ttnd Borrower shall pay to Lcndcr the amount neceseaxy to m¢ke up Yhe deLiciency in accord�nce with RCSPh, bLit in no morc than 12 monthly paymenCs. Upon payment in full of atll sums seciued by this Sccurily InsCrument, Lender shall promptly refiwd to Bprrower any Punde held by Lender. 4. Charges; Liens. Borrower sha11 pay all taxes, as�eFsments, chnrges, fines, and iinpositions artrib�dable to the Property whioh can aftain priorityover Chis Security Snstrtunent, le�seliold payinonte or gronnd rents on the Property, if any, and Con7innniiy Aesooi�kion Dues, Peas, aiid Asse;ss�nents, if uiy. To the extent fliat tliese ite�ns aro L�sccow IEems, Bon•ower sha11 pay thev�in the mnnner provided in Section 3. Sorm��er shall piromplly discharge any lien which has priority over t{iis Security Iusi�mnent�nless Boirower: (a) agrees in writing Co 6he paymenY of'tlie obli6ation sccttred Uy hhe lien iu fl mantier acoeptaUle to Lender, Uut only so long as Barrower is performn�g euch agreement; (b) contests the liaii in good fsith Uy, or defands agaiilst enforcemenY of(�ia lien in, logal proceedings wbich in Lender's opinion operate to prevent the enforccmenl o£the lien while tlxose procccdings are pending, but only wrtil sucb procccdinga are couclLidcd; or(c) secures from the holdcr of the lien an�greement satisfactory tc� Laide�r subordinaYing the lie�n Co ttris Security Instrmnent. If I,ender determines that any part of the Property is su6ject Yo a lien wl�ich cten aYtflin priority over tUis Seourity HistrumenC, Leuder may give Borrower a notiee identifying the ]ion. Witl�in 10 days pf tihe dnEe on wliloh that notice is given, Bon�ower shall sa�tiefp the lien or tttke one o1'more of tho�otions set forth above itt this Section 4. I.endcr niay require Borrower to pay u on�lii2�e chnt•ge£or a real estate tax vorificalion and/or reporPing servioe used by Lendet in counection with this Loau. 5. Property Insurance. Borrower shall keep the improvements now existin�; or liereafcer erected on Che Property insuxed agaivet loas l�y�re, hazaz•ds ineluded witl�in thc term"ex0ended coverage," and any other hazerds iucludin6, Uut noC liiniteft to, euthquakes and floode, for which Lender requires insurance. 'fhis insurauce shal]be n��intainecl in the ainounts (including deductible levels}aud For Uie perioda th2f Lender rec�uires. What Lender raquiies pursuaut to fhe precediug senYences can change dur"vig 11ie tertn of the Loan. The insuaAnca earrier providing Che inaurance shall be chosen Uy Borrower auUject to Lender's right to disapprove Borrower's choice, which right sha11 noti be exeroised um•easonably. Lender�nay rcquire 13oxrowex to pay, in connection with this Loan, either: (a) a ono-fiine ol�aige£or flood�ono dotormination, cerfification and fraclrirtg services; or (U) a c�nc-tinic ch�rge£or flood zone determination and ccrtifioa6ion scrviccs �nd subsequent cl�arges cach tiine retnnppiugs or similar changes occur which reasonably might aLfect ench daterinination or oerhi$cntiion. Borrower sha11 �leo b�rasponsible far the payment o4'any fees imposed Uy the 1'edcral �mergency Managament Agency in conneotion with the review of any flood ronc deCesminatiou rceniting fi•oin an objection by$orrower. If Borrower fails to main[ain eny of the coverabes dcscribod al�ove, Lender may obtain iasurance coverago, at T,ender'e option and Borrowex`s expenso, Lcnder is under no obligation tio purcl�ase any�acticular type or amomit o£cove�•age. Therefore, such coverage ahnll cover Lattder, Uut might or mighC not protect Borrower, Borrower's eqtiuty in thc Property, ar tha contients of tha 1'roperty, �gainst�ny riek, hazard or liability and inight provide greatex or lesser coverage than was preuiously iu effaot. Borrov�er aclmowlndges Chal the cost of the ineurAnce covara�e so oUtained might eignificlnYly exceed t1�e co�t of insurunce thnt Borrower could have obtained. Auy amotmCs disUursed by Lender undor this Scctioii 5 shflll become Tdditional debt of Boirower secured by tlus Security Instrume�iE. '1 hcse mnounCs shall bear interest at the Note rate fi�om ��he date of dfisbursement eucl shall ba payab7o, with suoh inEerest, upon notioe'fi'om Lender to Sorrower requcsting pnyment. zaoozz�o N ETIRpSKA-Single Fam Ily-Fannle M aelFreddie M nc UNIFORM INSTRl1M ENT Form 3028 1101 VM P(ry VM PB(NE)(T1061 W oltere KNw ar Flnanolal 6orvlaee Pngn fi ni 1 Y