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201210448 recluired by RhSPA, and I�oirower sliall pay to Lender the amount ueeesszsy fo makc up the deficiency in eccordance with RLSPA, b[rt in n�mora than 12 inonthly payments. Upon payment in L��Il of all stn��s sccured by this Security InatrmnenE, Lender sh�ll promplly refund to Borrower nny Punds held by Lendc��. 4. Charges; L'lens. Borrowor shall pay all taxes, assessmeuts, eharges, fines, and impositions nttributablc to flie Property which cnn attain priority over this Securi,ty lnahuinent, leasehold payments or ground rents ot� the Property, if anyy and Crnmnunity Aseooiation Dues, Fees, and Assessme��ts, if any. To the exkent that tUcsc itcros a�'c Rscrow[tems, Borrower shall pay them in the manner provided in Scction 3, Sorrower shall prompfly discharge any lien which hae priority over this Security Instrument unlees Borror�✓er: (a) agrees in writing to the paymenC of t'he obligatinn sccured by the lien in a manner acceptnble to l.ender, Uut oiIly so long as Rorro�aer is perfoiming such agreemenC; (U) wntcets the 1ien in good faith Uy, or defends against onforccmcut of the lien in, legal pinoeedinga whicli in Lender's opinion operate to pr�ve��t the enforoement of Lhe lien while tl�osc proceedings are pending, Uut only mrtil such proceulings are concluded; or(c}seouxes frotn the Fioldc�� of lhe licn av agrecme��t satisfectoiy Yo Lender suUordinating Hie lian to this Seotu'ity Snstrument. If Lender deternvnes t1�Lat any plrt of the Yroperfy i� sabject to a lien which ca�i attain priority over fliis Security HisYrutnent, Lender may give Borxower a noLice identiifying thc lie�r, W�iChin 10 days of the date on wl�ich that notice is given, Borrower shall sa�Gsfy the lien or ta(ce one or more of the�ctions set forth flbove in Chis Seotion 4�. Lender may require Borrower Co pay�one Cimc chargc for x rcal estate tax varification vid/or reporting service used by Lender in comiectiots with thie Loan. 5. Property MsUrance. Borrower shall keep the iinpi•ovements now exiating or heroafter crec tcd on the Property insured agunet loss Uy fire, hazards included withiu Che term"extended covernge," �tid any ollier haLarde including, but not limitcd to, edrthquakes and floods, for which Lancler requires inew•�nce. TLia insnrance shnll be inninfnined iix Che amounts (iucluding deductib1e levels) a��d for�1ie periods Yhat Lender requires. What Lender requu•es pursuant W the preoeding sentenoes can cl�angc during 8�e term of tl�e Loan. 'I'he insuratice carrier providing the insmance shall be chosen Uy Borrowex subject Co Lender's right to clisapprove Borrower's choice, w]�id� right s1�a11 not be exercieed unreasonably. Lender may requixe Rorrower to�ay, in oonnection with fhis Loan, eiCher: (a) a onatiine cl�nrge for flaod zone deCennination, oertificaCion nnci tracicing scrvices; or(b)a one-time charge fbr flood zona deCerminakion�nd certiflcation seivices and subsequent chaxges etich tiii�e remappings or similat ol�angcs occur wl�iah reasonably inight a£fect auch determv�ation or cerYifioation. Borrower ahall also be respoi�isible for ihe payinent of any fees iinposed by tho Fulcral �;mcrgency Management Agency in comieotion with Yhe review oF euy flood�oue detexminntion resulCu�g G�om a��i objeoH�n by Borrowcr. IP Borrower Pails fn iroaintain any of t(ze coverzges described above, Lender may obtain insuranee covernge, at Lender's option aud Borrower'a expense. Lendcr is undar i�o oUligatioii ta purchase any pu'ticular typeor aanowit of'coverage. Theref'ore, such coverage shnll cover Lender, but i2�i�ht or u�ig1�t not protect 13orrower, Borrowc�r's cyuity in tho Property, or Uie contents of the Properry, against any risk, h��ard or liabiliCy and might provide greater or lesaer coverage khw wae prcviously in effect, Borrower aclmowledges that the cost of the insmance coverage so obCzined might significantly exceed[he oost of insuravcc that Roi�ower could i�ave obCained. Any amounte disbursed by Lender uuder tl�is Section 5 shall become nddi[ional debL of Borrower secured by Ytus Seourify In�trmnent. Tl�csc ttniotmtA sha11 i�ear interest at the Note rate from the date of disUmseinent and shAll Ue payable, with snch interese, upori notice from Lcnder to Rorrower requesti�rg payinent. zaaazsi� N[6RFl51(A-Single Famlly-Fannic(dae/Freddle Mac UNIFDRM INSTR�MENT Form 3028 1101 VMP(y VMPB(N�(17a51 Woltere Kluw er f-Inancial Servlaes Page 8 a(1 Y