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201209694 required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in aecordance with RESPA, but m no moxc than 12 monthly payinents. Upon payment in Pull oi all sLw�s secwed by ilus Sccurity Instrument, I,ender shall pxomptly refiand to Bonower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all t�es, assessments, chazges, fin�, and impositions amibutable to flie Property which can attain priority over this Security Insh�nmeut, leasehold pauments or gound rents on The Properry, if any, and Community Association Dues, Fces, apd Assessments; 3f any. To the extent that these items aze Escrow Items, Borrower sha11 pay them in the�nanner pravided in Section 3. Borro�ver shall promptly dischazge any lien which has pritirity ovex this Security Instrument unless Borro�ver: (a) agrees in writing io the payment of the obligarion secured by the lien in a mamier accepLable to T.ender, but only so long as Sorrower is performiiio such agreement (b) contests the Iien in good faith by, or defends against enforcement of the lien in, Iegal proccedinp,s which in Lender's opinion operate to prevent fhe enforcement of the lien while those proceedings are pending; but only unti] such proceetiings are concluded; or(c) secures from tiie holder o£the lien an ageement satisfactory to Lender subordinatmg the lien Co this 5eciaity Instnunent If Leuder deternvnes that any part of the Property is subject to a lien wluch can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the licn. ��ithin 10 days of the date on which that notice is given, Borrower skall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and,'or reporting service used by Lendet in com�ection with this LoatL 5. Property Insurance. Bonower shall keep the impros�ements now e�sting or hereafter erected on Lhe Property insured anainst loss by fue, hazazds included within the tenn "extended coverage," and any other hazards including, but not liinited to, earthquakes and floods, for which Lender rcquires insurance. This ivsurance shall be maintained in the amounts(ibcluduig deductible levels)and for the periods Yhat Lender requires. ��hat Lender reqLures pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's rig�t to disapprove Borrower's choice, �uhich right shall no4 be exerpised unrea,sonably. Lender�nay require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone detennination, ecrtification and tracking services; or(b) x enatime charge for flood zone determination and cer[ification services and suhsequent ehasges each time semappings or similar changes occur which teasonably might affecE such determination ox certification. Borro�er shall also be responsible for th�payment of any fees imposed by the Federal Emergency Management Agency in coanection with the review of any flo�d zonz detemuna�pn resultuig from an objecfipn by Borrower. If Borrower faiis to maiatain any of the coveragea described above, Lender may obtain insurance eoverage, at Lender's option and Borrower's expense. Lender ix under no obligation to purchase any particular type or aznount of covexage. Therefore, such eoverage shall covex I.ender, buti uright or might not protect Bonowez, Borrowe�'s equity in the Property, or the contents of thc Properry, against any xisk, hdzazd or liability and might provlde greater or lesser coverage than was pxeviously in effect Borrower acknowledges that the eost of the insur�ce coverage so obtained mtght si�i{'cantly excecd flia cost o£insurance that Borrower eould havc otatained. Anv amounfs ciisbursed by Lender under this Section 5 shall liccome additional debt of Borrower secured by this Securiry Inshwnent. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such itlterest, unon notice from Lender to Borrower requesring payinent. zaaoz�ss NE3R45KA-Single Family-Fannie P.fi aelFreddie M zc UNIFpRIv; INSTRUM ENT Form 3028 1701 VM P� V1riP6(NE1(1 t05) !ryolters Klu�.v er Financial Services Pao=o oi 1]