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��15�4995 <br /> required by�E�PA, and��rro�ver sha11 pa�to L�nder the amount ne�essary to mak� up th�defici�ncy in <br /> accordanGe w�th RESPA, bu�in na more tharz �2 m�nthly�ayments. <br /> Upon paymen� in ful�af a�l sums secured b�this Security �nstrument, Lender shall promp�iy refund to <br /> Borrower any Funds held by Lender. <br /> 4. Charges, Liens. Borrower shall pay aIt taxes, assessm�nts, charg�s, �in�s, ar�d imposxtions attributable to <br /> the Property which can atta�n pri�rity�ver this Secur�ty Instrument, �easehold pa�ments or ground r�nts on <br /> the Prop�r�y, zf any, and��mmuni�y Asso�iation�ues, F�es, and Assessments, �f any. T�the ext�nt that <br /> thes�items are Es�raw It�ms, Borx�wer�hall pay them xn the mann.er pr�v�d�d�n Sectian 3. <br /> B�rrawer shaX�pr�mp��y dzs�har�e any�ien�vhich has pr�or�ty over�h�s Secur�ty�nstrument unles� <br /> B�rrower: ta} agrees �n wr���ng to the paymen�of the ob�igat�on secured by the�ien�n a manr�er ac�eptab�e <br /> to L�nder, but on�y sa�ong as Barrowe�r�s perfflrmzng such agreemen�; �b} contes�s�he li�n in goad fa�th by, <br /> or defends against enforc�ment of�he��en in, �ega� proceedings which in Lender's�pinion opera�e to pre�ent <br /> the enfarc�rnent�f�he�ien vvhile thase proceedings are pendin�, but oniy until such praceed�ngs are <br /> conc�uded; ar�c} secur�s from the holder af�he li�n an agreement sat�sfaG��ry to Lender subardina�ing the <br /> ��en�o th�s Security Instrument. If Lender determines �ha�any part af the Praperty xs�ubject�a a lien vvhich <br /> can a�tain prxor��y a�er th�s Se�urit�Instrument, L�nder may g��e Borrow�r a nat��e identif�ing the lien. <br /> 'V��thin �a days of the da�e on v�hzch that not��e is gzven, Barraw�r sha��sa�isfy the lien ar take one or rnore <br /> of the action�set for�h above in th�s Sect�an 4. <br /> L�nder may require Bnrr�vver to pay a�ne-tim�charge fc�r a real estat�fax�erifica�ian andlor r�porting <br /> service used by Lender in��nn�ct�an��th this Loan. <br /> 5. Property �nsurance. Borrawer shal�ke�p th�improvemen�s now exi�ting or h�reaf�er erect�d on the <br /> Property�nsured aga�nst xass by f�re, hazards�ncluded with�n the�erm "extended coverage," an�any ather <br /> hazards including, bu�not limi�ed t�, earthquakes and floads, fQr wh�ch Lender r��uires insurance. Th�S <br /> insurance sha.�� b�maintain�d in the arnounts ��n�luding deductibl��e�els�and far the p�riods tha�Lender <br /> requ�res. V�hat L�nder re�uir�s pursuant to�h�preced�ng sen��nc�s car�change during the term of the Loan. <br /> The insurance carr�er prav�d�ng the�nsuran��shall be�h�s�n by B�rr��ver sub�ect ta Lender's right to <br /> disappro�e Borrav�rer's ehazce, wh�ch r�ght sha��nat be exer�ise�unreasonab�y. Lender may require <br /> Borrovver t�pa�, in connectian vvi�h this Loan, either: �a� a one-time charge for flaad zone determinatzon, <br /> C�rt�fica�ion and traci��n�ser�ices; ar��}a one�time char�e f�r fload zone de�ermination and cer��f��a���n <br /> serv�ces ax�d subsequen�charg�s each time remappings ar simi�ar changes occur�vhi�h reas�nab�y znight <br /> aff�ct such det�rminat�an ar cert�f�ca�ian. B�rrawer shall a�so be responsib�e fnr the payment�f any f�ts <br /> impased by�he Fede�ra�E�nergency Man.agement Agenc�r�n c�nnectzon wzth the rev�ew of an�f�aad Lone <br /> determinatian resu�ting from an ab�ec��on by B�rrower. <br /> If B�rrower fails ta rna�ntain any of the co�erages described aba�e, Lender may a��ain insurance coverage, <br /> a�Lender's�p�ion and B�rrovver's expense. Lender�s under n��bligati�n�o pur��ase any par��cu�ar type or <br /> amount of�ov�rage. Therefore, such co�erage sh�ll cower Lender, but m�gh�ar m�ght no�pro�ec�Barrower, <br /> B�rrower's�qu�ty in the Pr�per�y, �r the canten�s of the Praperty, against any risk, hazard ar liabiiit�a�d <br /> might pro�ide grea�er ar lesser coverage than�vas p�evious�y �n effe��. Bor�ower acknow�edg�s that�he cas� <br /> of the insurance cavera�e so obtained m.i�ht si�n�fican�ly exceed the�os�of�nsurance that Borr�wer�ould <br /> have ob�ained. Any arnounts disbursed by Lender under th�s �eGtion 5 sha�l b��orne addi�ianal debt af <br /> Barr�w�r secured by this Security�nstrument. Thes�am�unts shal�b�ar�n�er�st at the No�e rate frorn�he <br /> date of disbursernen�and shall be payable, w�th such interes�, upan natic�frQm Lender to Barr�v�rer <br /> requ�sting paymen�. <br /> N�SAASE�A-5ingle Farnily-Fannie MaelFreddie Mac 11NlF�RM INSTRUM�NT Form 3Q�8�Ifl1 <br /> VMP� VMP6�N�f t13a2} <br /> Wolters 1Cluwec Financial Ser�ices Page 6 a#�7 <br />