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MAY. 29.2013 2:59PM 201304339 WELLS FARGO HM MTG.. Na 8159 P. 26 required by RBSPA, and >3orrower shall pay to Lender the amount necessary to make up the deticypcy in acoordai ce with RBSPA, but le no more than 12 monthly payments. Upon payment in fall of ell gums secured by this Security Instrument, Lender shall promptly refund bo Borrower any Funds held by Lender. 4. Chnro ce; Liens. Borrower shall pay all taxes, assessments, charges, ;Cures, and impositions attributable to the Property which Can attain priority over this Security lttetrument, leasehold payments or ground rents on the Property, if any, and Community Aesoelarion Dpes, Fees, sad Assessments, if any. To the extent that these items arc Escrow Berns, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which hat priority over [bile Security Inatrwueiit unless Borrower: (a) agrees in writing to the payment of the obligation secured by thee lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith bp, or defends against enforcemeet of the lien in, legal proceedings which in Lendee9 opinion operate to prevent the enforcement of the lien whale thole proceedings arc pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender dettrmtrmines that any part oldie Property is subject to a lien which cotx attain priority over this Secuurity Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice ix given, Borrower shall satisfy the lan or take ono 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 Lender in connection with this Loan. 5. Proporty Incuronec. Boxaowcr shall keep die inqxroversients now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term 'extended coverage," and any other hazards intcludigg, but not limited to, earthquakes and ;doses, for which Lender requires insurance. This insurance shall be maim' ladle MO= (including deductible levels) and for the periods that Lender requires. Whet Lender requiree pursuant to the preceding sentences can change during the term of the Loan. The insurauerc carrier providing the insurance Shall be chosen by Borrower subject to Lender's right to disapprove Borrower's rhnief.. which right shall not be exercised unreasonably. Lender may require Borrower rn pay, in Connection with this Lean, either: (a) a one - time charge for flood zone determination, certihGation and tracking services; or (b) a one charge for flood zone determination and certification services and subsequent charges each time remappinRa or similar changes occ which reasonably might affect such determination or certification. Borrower shall also be responsible for the pen:tont of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood MOM determination resulting loom an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option end Borrower's expense. Lender is under no obligation to purchase any particular type Or uasount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower. Borrower's equity in the Property. or the contemn of rite Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges thin the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall boeomc additional debt of Borrower secured by this Seemly In [rumen. These amounts shall bear interest at the Note rate from rho date of disbursement aid l shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. : 9 {A -SUgIY F Mi .Fannie Madr-roddio Mao UNIFORM INETIUMCNT FOM19021 1W[ VM v9 woRoro Kluwer f lronoid eaniaaa VMPOWF1111a 5119 05/29/2013 4:01PM (GMT- 05:00)