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201210951 required by RESPA, and Borrower shall pay to Lender the amounL nc�essary to make up the deficiency in accordance with ItESPA, but in no more than 12 monthly payments. iSpon paymen�m full of a11 sums secured by this Security Instrument, Lender skall promptly refund to Barrocver any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and imposittons attributable to the Pioperfy which ean atta�n priorlty over this Security Instrmneni, leasehold payments ox g�-onnd rents on the Property, if any, and Comtnunity Association Dues, Fees, and Assessinents, if any. To the extent that these items are Fscrou�Items, Borrower shall pay them in the maxuier provided in Scction 3. Borro�ver 51iall promptly c}ischazge an��lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of Yhe obligation secured by the lien in a manner acceptable to Lender, but only so long as P,orro�uer is performing such agreement; (b) contests the lien in good faith by, or defends against enforcemenL of the lien in, legal proceedings which in Lendcr's opinion operate to prevent the enforcement of the lien while those proeeedings aze pending, but only until such proceedings are concludcd; or(c) secures from the holder of the lien an agreemcnt satisfactory to Lender subordinarina the lien fo this Security Instnnnent If Lender deterintnes that any p�-t of the Properry is saabject to a lien which can attain priority over this Secucity Instrument, Lender may give Borrower a notice identi£ying flie lien. Within 10 days of thc date on�vhich d�at notice is given, Borro�ver shall satisfy the lizn or take one or more of the actions set£orth above In thie Section 4. I,ender inay reqvire Borrower to pay a on�time chazge for a real estate ta�c verification ancL'or reporting serviee used by Iznder in connecrion with this Loan. 5, Property Insuranee� Boaower shall keep the Improvements now e�sting on c�reafter erected on the Propertp insuied against loss by fire, hazards included wifhin the term"extended coverage," and any other hazards including, but not lunited to, earthquakes and floods, for which Lender requires insurance. TFus insurance shaU be maintained in the amounts (including deductible levels) and for the periods tt�at Lender requires. What Lender xequires purau�t to the preceding sentences can change during fhe term a£the Loan. The insurance carrier providing the insurance shall be cha�en by Boirower subject to Lender's right to disapprove Borrower's choice, which right sl�all not be exerci sed unreasonably. Lender may requise Borrower to pay, in connection with fhis Loan, either; (a) a one-tune charge for flood zone determination, certification and tracking services; or(b) a one-rime cliarge for flood zone determination and cerTificafion services and subsequent charges each lime remappings or sunilaz changes occur which reasonably might affect such detemvnation or oertification_ Borrower shall also be responsible for the paymanY of any fees unposed by the Federal Emergency Management Agcncy in cqnnection with the review of any flood zone dateradnation resul�ii�g fio�a au objection by Boi�iowe.��. If Borrower fails ta inaintain any of the coverages described above, Lender may obtain instiianee coverage; at Lender's option and Borro�ver's expense. Lender is widcr no oUligation to purchase any particular type or amount of coverage. Therefore, suclt coverage Shall covex Lender, but might or rnight not pmtect$oiiower, Borrower's equity in the Properry, or ihe contents of thc Property, againsf any risk, bazard ar liability and inight provide greatar or]esser coverage thar was previously in effect. Borrower acknowledges that thc cost of the insurance coverage so obtained might siguficantly exezed the cost of insurance that B�rro�ver could have obtauic3 Any amowits disbiused by Lender under this Section 5 shall become acldihional clebt of Borrower secured by this Securitv Instsument. These amounts shall bear inter�c at the Notc rate from the da2c of disUurseincnt and shall Uc payable, with such interest, upon notice from Lender to Borro�ver xequesting paymenL zaoosin N FBGSKA-5ingle Fam ily-Fannie td aalFreGtlie M ac UNI rORAq W STRU I�d FNT Porm 3�28 1l01 V M?� V M P6(N EJ(1105) Wolters Kluw=r Flnancial S=rviees P�qe 6 of 1]