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��15�57�� r�quire�by RES�'A, and Borrov�er shall pa� ta Lend�r�he amount nee��sary to rnak�up the deficiency in accordance��th RESPA, but in n�mare t�aan ��month�y payments. Upon pa�men�in full of a�l surns secured�y th�s 5ecur�ty �nstrument, Lender shall promptly refund to Borrawer any Funds he�d b�L�nd�r. 4, Charges: Liens. Barrow�r shall pay ail taxes, assessn�ents, charges, fin�s, and �mpos�t�ons at�ributabl�to the P�raper�y wh�ch can a��ain priority o�er�his 5e�urity�nstrument, �easehn�d payments�r ground re�ts on the Proper��r, �f an�, and �amrnunit�Associati�n Dues, F�es, and Assessments, if any. To�he e�.ten��hat thes��t�rns are Es�row I��m�, Borrav�ex sha�I gay them in�he manner pr��ided in Sec�i�n 3. Barrower sha�l promptiy dtscharge an�lien whic�has priority a�er�h�s,SeGur�ty Instrument un�ess Borrower: �a} ag�ees xn writing��the pa�ment of the abligati�n secured by th��en in a manner accep�abl� to Lender, but anly so long as Borrower is perforrning such agreement; �b}cantests the��en�n gaad fa�th by, ar defends against enforc�m�n�af the�ien�n, �ega�proc�edings which in L�ender`s opinian op�rate to prevent the enfar�ement of the�ien whiie thase proceedings are p�nding, but only until such praceedings are conc�ude�.; or�c} secures fram the halder of the lien an a�reemen�satisfactory to Lender subordin�.�ing the �ien�o�h�s Secu�ity�n�trum.en�. �f Lender determin�s tha�any part of the Proper�y�s subject to a Iien�vhich can attain priority aver this Securz�y�nstrumen�, Lender rna��i�e Borr�wer a not�ce �den�zfyxn�the��en. �U�Ti�hin 1Q days of�he date on which that no�i�e is g�ven, Barrativer shali�atisf�the li�n or ta�e on�or rnor� af the ac�ions set for�h above in this Section 4. Lender may requ�re Borro�aer to pay a one-t�me charge for a rea�estate tax ver�f�ca�xon andlor r�por�ing servic�u��d by Lender in cflnn�c��on w�� h�s Laan, 5. Property Insurance. Borrower sha��keep the impro�emen�s naw�xisting or hereafter erected�n�he Proper�y�nsured a�ax�zst loss by fire, hazard� i�cluded w�thin�he term "extend�d co�erage," and any other hazards�ncluding, but not�imi�ed to, earthquak�s and flaads, for wh�ch Lender requires insurance. This insurance�hal�be rnainta�n��i in the amoun�s �in�luding deductible��vels�and for�he periods�hat Lender requires. �hat Lender requires pursuant�a the preceding senten�es can change during�he term a��h�Loan, The insurance carrier pra�idin�th� insurance sha�l be chos�n by Borr�wer su�ject to Lender's r�ght�o disappra�e Barrou�er's choice, which right sha1�n��be exe�rczsed un�reasonab�y. Lende�may require Borrawer�o pay, �n�onnection with this Loan, e�ther: �a} a one-��me cha�r�e far fl�od��ne determina�ion, certif�ca��an and tracking ser��ces; ar�b}a one--tirne�harge for flood zane determina�ion and cert�ficat��n services and subsequent charg�s each time remappin�s�r sirnilar�hanges accur�hich reasonably migh� affect su�h de�ermination or�er�i�cat�an. Barrawer sha��also be responsible for�he payment of an�r fees �mposed�y�he Federal Emergency Management Ag�ncy�n connect�on�v�th the review af any f�ood�ane deternunat�on�re�u�t�ng from an ab��ion�y Barrawer. If Barrower fails to ma�n�a�n any af�h�caverages described a�ove, Lender may�btain insurance�overage, at Lender's option and Borrower's expense. Lender is under na �biiga�ian�o purchase any par�icular�yp��r amount of coverag�. Theref�re, such coverage sha�l c�ver Lender, but might or rnight no�prate�t Borrow�r, Borrower's equ�ty�n�he Praper��, or the contents�f�he Property, against an� risk, hazard or Iia�ili��and migh�pravide grea�er ar�esser c��ra�e�han was pre�iausly in effect. Bo�r�wer acknawiedges�hat�he cost of the insuran�e coverage so �btained m�ght��n�f��ant��ex�eed the�ast of insurance tha�Bo�r�we�could ha�e ob�ained. Any amaunts disbursed�y L�ender under�h�s�e��ion 5 shall be�orne addi�iana�deb�af Sarrower secured b�thi�Securi�� In,�trument. The�e amounts sha��bear�n�ea�est at th�N��e ra�e frQm the date of d�sbursement and shall be payable, with su�h interest,upon no�ice frarn Lender ta Borro�ver requ�sting pay�m.en�. N�6RA5!{R-SingIe Famiiy-Fannie Mael�redc�ie Mac UNIFaRM INSTRl1MENT Fvrm 3D28 11�� VMP� VMP6(NE)413D2� Wofters Kfuwer�inanciat 5er�ices Page fi o€i 7