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201208913 rcquircd hy RESPA, �nci Borrowet sl�inll pny to Lender fhe amotuit necessu�y Co makc up ti1�c dcficicncy in � ucord�uce with It�SPA, but iu no more ttian 12 monthly payments. Upon payn7ent in full af all sums seoured by this Security Instrument, Zender ehall promptly refimd to Borrov=er azry Punds held by Lender. 4. Charges; Liens. Borrower shall pay ail tases, assessments, charges, fiues, aud impositions �tt��ibutable to the Propexty wlricll can attain priority ovor this�Sccurity Tustrui��ont, le�scl�o1d pa5nnents or g'otiwd rents on tl�e Yroperty, if tu5y, ttnd CommuniCy Association Duea, Fees, and Assessn�enls, if�a�y. 'Co Cl�e extei�t fhat thcse itc;ms are Escrow Iteu�.s, Borrower shnll pny them in the manner provided in Secrion 3. Borrower ahall yromptly dischuge any lien whioh has priority over this Seonrity Inahrnmenf unless Borrower: (a) agcees in writing to the payinent of the ob1igation sccw'ed by the lie�in a maimer acceptable Co Lender, but only so long as He�rrower is perPorming suoh agree�nenl; (b)ootiCe.sCs the licn in good failh 6y, or defends against c;nfome.�rnent of the lieu in, legal prooeedings which in Lender's opinion o�aernte to prevent tke enforoeinent of the lien while those pcoceadings aa'e pending, but oiily tmtil such proceedings are concluded; or(o) seeures from the holder of tl�e lieii an agrcemont saCisfactory to Lcndcr subm•dinatici�;the lieii to fliis Secwity insh�umenf. If Lender detarmines that auy part of the Proper[y ia subject to a lien which ca�i attain priorily over ttus Secuxity Instrwnent, Lender may give Borrower a notice identifying tl�e lien. Within 10 deys of the date on t�hich f1�ati notiice is given, Borrower sha11 satisfy the lien or t�aka one or more of the Actions set fbrCh aUove in tl�is Sectinn 4, Lender may require Borrower tio pay a one-time�charge for a rea1 esCato tax veiification and/or reportii�g service used by Lender in oonnection with thin Loan. 5. PI'operty InsUranee. Borrower shall kecp tl�c imprcroemencs now existing or hercafter crcctcd on 6he Prope�ty insured ageinst loes Uy Gre, hazvds inchided within Uie fernY "extended covernge,° nnd any other hazards inchiding, Uue not limited to, earthquakes znd Ploode, for which Lender rec�uires instu'�ica. This inaurance shall be maint'ained in the ainom�ts (including dcductiblc]cvcls) and for the poric�ds tl�at L�adcr rec�uires. W1�at I,ender raquires pureuant ln the�reoeding seutenoes cnu ohange during the tem�of Che Lonn. 7'ho insLn�at�oe;car�ier piovidiug tkie insurance shall be chasen by Borrower snbject Co Londer's right to disapprove Borxower'a choice, which righti shall not Ue exercised unreasonably. f,ender may require Rorrower Co pay, in conncction with this Loan, either: (et�e�one-time�chazge£or flood cone det�rtniik2tiou, ccrtificalion and hracking services; or(b) a on�ti'me cl�arge'for flood zone detenninatiioii and cerfi�lication serviCes and snbsequeuf charges each tiine re�nappulgs or siuirlar changcs occur�vl�icll reaSonaU1y rnight aii'ect such determination or cerHfie�tion. Borrower sha11 also be responsil�le for lhe payment of any fees imposed by the Feder2l P�uergency ManAgeme�it Agency in ooimeeEion wiYh Yhe review of any flood zone cletermination resulting f'rom zii oUjection b}�Rorrower. I£Borrower fails to inainCaiu any of the coverages described aUovc, f,cnfter may oUtain iivyurance covcrage, at Landex`s option anci I�on'owe�•'s uxpcnwa Lender is Lmc{er no obligafion to piirchase any p��rliculu� L,ype or amoiint of coverage. TherePore, such coverage shell cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the oonYents of Ihe Property, against aaay risk, hasard or liaUility a�id might provide greater or lassc�r coverage than was previouslp ii� effect. l3onrowcr acicnowledges that thc�cnst of Ehe instutwce coverago so oUtaincd nvgl�t sigui�canCly exoeed the oosC of insurence t1�aC Borrowcr oould l�ave oUtnined. Any amotmCa diFbrvsed by Lender under this Seotion 5 shall Uecome�ddition�l debt of Borrower secured by this Security Instrwnent. These cunomits shall bear interest aC the Note rate Yrom the date of disbttrsement and shell be payable, witU such iirtcrost, urnn noticc from Lendce to Bon•ower requesting paytnent. 24002G67 MCt3RqSKASinglo Fnm Ily-Fannle M aelFretlbla M ec UNIFO M7 IN3TRUMENT Form 3020 1101 VM P(;) VM P0(NE)(7106) WORars.Kluwer PlnancialSarNces Pagn 6 of 1!