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201211194 required hy it�SPA, and Botrower shall pay to Le�Tder the ainount neoeasecg Co makc up the deficiency iu a000rdanco with KR,SPA, buC in no more thau 12 monChly payments. Upon pa}nnent in full of'all smns secured by this Security Instrtiiment, Lender shell prompCly refund to Borrower v�y F�mcls 1�e1d Uy Lender. � 4. Charges; Liens. Borrower shall p�y�11 taxea, asFessn�c,�its, charges, finas, aud impoaitions aklri6uCaUlc t'o Che Proporty which can attain priority over this Seourity Inslruui�,-nt, lexsahold payments or gconnd rents on the ProperCy, if any, and Com�muiity Association Dues, Pees, and Asso.semonts, if eny. To tha extent that these items tu•e Escrow ICems, Borrowcr shall pay them iu Y1ie inumer provicled in Sectron 3. Borrower shall pcon�pCly diechargc any lian wl�ich has priorlty over this Seonri�ty Instrwnent unless Borrower: (aj a�;reee in wriCing tio the payment of the obligalion secwrod by the lien in a mumer acceptnble to Lender, I�ut only so long as Borrower is perfonning suoh agreement; (b)oonCe.sts tlie liet� in good faitli Uy, or defends againt enforceinent of the lien in, lcgal proceedings which in Lender's opiuion opetafe fo prcvci�t the enfm cement of the lien while those proceedi�igs are peuding, Uut only uaitil such procaedings �u•e oonaluded; or(c) sccures fi�om tlie holder of tha lien an ng•eement satisfactory to Lende�subordinaling the lien to Chis Security Instrun�e��t. If Lcnde�'determines tl�at anq pert of the Property is euUjeot to a lien wl�ich can attain priority over this Sacm'ily In�trument, Ler�de��nay give Rorrower fl notiee identifyn�g t'he lic��. WiUiin 10 days of tho data on which thnt notice is givcn, I3orrower shall satisfy the lien or take one or more of tho actions set forth abova in Yhis Section 4. Lender lnay reqnire Borrower Co pay a one-time charge for n re�.-tl eslatic�tax verificakiou and/or raporting seivice used by Lender in connoction wifli this Loan. 5. PropeYty Insurance, Borrower shall lceep tha improvemenYs uow existiug or her�ffer erected an thc Property irrsured againet losa by Cre, haz�rds included�vithui the tenn"extended coverage,° nnd eny olher l�azacds including, but not limited to, earthquakee a�id tloods, For whicl� Lendar reqniree insurance. This rnsLiru�ce shull Ue maintained in the aznounts (including deductible levels) avd for thc pe�iods tUnt Lender requires. What Lender reqnires pursuant to tiha preoeding seutences oan ohange duruig fho Ccrm of ihc Loan. The inai�ranoe c�riu��pmviding tho ineuranc�sl�all Ue chosen by Borrower subjecY to Lender's righC to clisapprove Borrower's choioe, which righC slaall not Uc czcrcincd unreasonaUly. Lender may require Borrower to pay, in connection with tliie Loan, eithex: (a) a ane-6iine charge for flood wne detemunation, certificatian and ttaeking sexvices; or(6) a one-Cimo charge for flood zone detennination uic�eertiflcntion services �uid subsequent chflrgea each time remappiugs or aunilar ohanges oocm�which roasot�ably nvglat aPFect such dctertnination or certification, I3orrowe� shall also Ue r8sponsible for the payment of nny fee� imposed by Che P'edernl Emergency Manage�nont Agcncy in connectiott with the reviaw o£any flood sone detarininafion rasulting froin an objection by I3orrower. If Borrower fnils to maintnin nny of the coverages described abovc, Londer n�ay oUtain iusuravice covarage, at Lender's option aud Borrower'a expenae. Lender ia under no obligalion to purchase any particular type or amount of covarage. Therefore, such covaraga shall cover Lender, but might or might not proteot Borrower, Borro��er's equily in thc Property, or tho contents of the Propexty, against any risk, hazead or liability and might provide greater or lesser covernge tihlu was previously in effect. Borrower ac1<nowledges that t7�e cost of Uie inswauce coverage so obtiained inighY eignificautly exeeed the cost of inauranoe LhnC Borrower cotdd have oUCaiucd. Any amounts disUursed l�y I,ender mider tl�is SecCion 5 shall beoome additionzd deUt oF Borrower seoured by this Security Instruinenl. These ainounte nl�all bcar itrterest at the,Note iafe froin khe da�te of disbursement uid shall be payable, with eueh interest, upon notice from Lencier to Bon�ower rcqt�esting paymenf. 2-0003210 Nf-9RASICA�SIngleFemityfannia MoslFretldieMac UMf-ORM INSTRUMENT Form 3020 7f01 VM P O VMPB(N6)(1106) Wolters Kluw er Flnonclal Servloes Nsge e ot 17