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201208580 required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no moxe than 12 monfhly paytnents. Upon payment ia fu11 of 211 sUms seGw ed by this Seeurity Instnuttent, Lender shall promptly refund to $orrower any Fnnds held by Lender. 4. Charges; Liens. Borrower shall pay all t�es, assessments, charges, fines, aad unposirions attributable to the Properry which can attaui priority over this Security Inshument, leasehold payxnents or ground re,�nts on tre Property�, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these iterns aze�scrow Items, Borrower shall pay them in the maxuier provided in Section 3. Borrower shall promptly dischazge any Iien which has priority over this Security lnstrument unless Borrower: (a) agrces in writing to the paycnent of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Bonower is perform3ng such ageement; (b) ccmtests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings wluch in Lender's opinion operate to prevent the entorcement of the lien while those proceedin�s arc pending, but only until such proceedings are concluded; or(c) secures from the holder of the lien an agrecment sarisfactory to Lender subordinating the lien to tlus Security Instnunent If Lender determines that any part oP the Property is subject to a lien which Can attain priority over this Security Inskument, Lender�nay�ve Boxrower a notice identifying the llen. Wifliin 10 days of the date on which That norice is given, Basower shall sarisiy the lien or take one or more oi tl�e actions set forth above in thi,s Section 4. L.ender may require Borrowcr to pay a one-time charge for a real estate tax verification and/or reporting service used by I,ender in connection with this Loan. 5. Property InSuranCe. Borrower shall keep the improvements now existing or hereafrer erec[ed on the Property insured against loss by&re, haz�ds 'v�cluded within the term"estended coverage," aud any other ha�r.ards including, but not limited to, earthquakes and floods, for which Lender requires insurance. Th'vs insurance shall be maintained in tl�e amounts(iaclud'mg deductible levels) and for the periods thak I.ender requues. What Lender requues pursiunt to fl�e preceding sentences can change during ttte tenn of the Loan. The insurance carrier providing the insurance shall be chosen by Borro�ver subject to Lender s right to disapprove Borrower s choice, which right sha11 not be exercised unreasonably. Lender may require RorroFver to pay, in connection with tlus I,oan, either: (a) a one-time charge for tlood zone deteaniva.tion, cer�fica5on and tracking servzces; or(b) a one-time charge for flood zone detenninariop�nd eertification setvices and subsequent charees each time remappings or sunilar changes oceur wiuch rcasonably might affect such determination or certification. Borrowcr shall also be responsible for the paymenl of any fce5 imposed by the Federal Emergency Management Agency in connecuon with the revie�v of any flood zone detennination resultiug from zui objcction by Borrowcr. If Borrower faiL,to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender s option and Borro�er's e�;pense. Lender is under no obligation to purchase any parkiculaz type or unoLurt of coverage_ Therefore, such coverage shail cover Lender, but mighl or uug�t not protect Borrower, Borrower's equity in the Property; or [he contents of the Property, against any risk, hazard or liability aud reiighG provide�eater ox lesser covesage than was previously in effect Bonowex acfrno�viedges that the cost of the inaurance coverage so obtained might significantly exceed the cost of insurance that 3orrower could have obtained. Any amouuts disbursed by Lender under this Section 5 sha116ecoine additianal debt of Borrower secured by this Security Instrument. These ainoLmis sl�all bear interest at the Note rate from the date of disbLusement and shall be payable, unth such interest, upon notice from Lendcr to Borrower requesting payment. 24002435 NE3RASRA-Sinole Fam ily-Fannie A1 aelFreddie M zc UNIFORM1�i INSTRUM ENT Form 302 S t!0? VM P� VM P6(NEj(1105) W oltere Klmv�r Fnanciai Services Fage 6 of 1]