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��l 5��1 �� requi�red by RESPA, and Barrower sha��pay to Lender th�amount necessary ta mak�up�he defi�iency zn accordance v�ith RESPA, �ut in na more than 12 m�n�hiy paym.ent�. Up�n paym�nt in fuli of ait sums secured by this Security�nstrurnen�, L�nder shail promptly refund to Bflrrawer an� Funds he�d by Lender. 4. Charges; Liens. Borrower shall pay ali taxes, ass�ssments, charges, fines, and�mpositi�ns a�tributab�e to the Property which can at�ain priori�y��er this Security Ins�rument, leaseho�d payment�or graund r�nts on the Proper��r, if any, and Comrnuni�y Assa�:ia�ion Dues, Fees, and Asses�ments, �,f any. T�the ex�ent tha� these item�are Esc�rQw�tems, Borr��r�r�hall pay�h�m�n the mann�r provided in Sectifln 3. Borrower shall promp��y discharg�an�lien�vhich has prior��y over th�s SeCurity Instrument un�ess Borrawer: �a}agrees in�riting ta the pa�ment of the obligation secur�d by�he l��n�n a manner accep�ab�e ta Lender, but only sa long as B�rrowe�zs performing such agreement; �b}contests the lien in g�od fa��h b�, ar defends aga�ns�enforcemen�af the lie�in, �egal proce�dings wh�ch in Lender's�p�nzan ap�rate ta prev�n� the enfarcement of�h��n whzle thase pr��eedings are pending, but only until such proceed�ngs are concluded; or�c}secur��from�h�h��der of the��n an a�reement sa�isfac�or�ta Lender sub�rdina��ng the I�en�o this S��urit�Instrument. �f Lend�r d��rm�nes that any par�of the Proper�y is subject tQ a�i�n wh�ch can at�ain priority over this Securi��Ins�rument, Lender may g��e Borrower a n�tice identifying�h�lien. Wi�h�n �D days�f th�dat�on which that not�ce�s gi��n, Barrovver sha�l sa�isfy the��en or take one or more of the act�ons set farth ab�ve in�his Se��ion 4. Lender may require B�rrovsr�r��pay a�ne-time charge for a real estate tax verification ar�dlor reporting service used by Lender in connec��on with this L�an. 5. Pr�per�y Insuran�e. Barrower sha��keep�he impro�emen�s no�existing or h�reafter erected an the Praperty insuret�agains��ass by��re, ha.�ards in�luded within�he�erm "�xtended c�verage," and any��her hazards inGluding, but n��imited ta, earthquakes and f�oads, for wh�ch Lender requ�res�nsurance. This insurance shal�be�ma�nta�ned�n the amQunts tincXuding deductible l�vels} and far�he per�ads that Lender requir�s. �Vha�Len�er r�qu�res pursuan��the preceding sen�ences can change durin��he teram of the Laan. The insurance carrier pro�iding th��nsurance shall b�chosen by Barrou�er subject�o Lender's righ�to disappra�e Borrower's ch�iGe, whi�h r�ght sha11 not be�xer�ised un�easonably. Lender may requ�re Bor��wer�o pay, in�onnection with�his Loan, either: �a}a vn�-tirne�harge far flood 2one determinatian, �:er�if�ca�ion and traGking services; nr�b) a�ne-t�me charge for fl�ad zon�d�term�na��an and cer�ificat�on s�r��ces and subsequent charges each time remapp�ngs�r similar changes oc�ur wh�ch r�asonably rnight afFe��u�h d��ermina�ion or�;er�i�cation. Borrower shal�a�so be re�ponsibl�f�r�he payment af any fees irnpased by the Federa� Eme�rgency Management Ag�n�y in conn�ct��n w��h�he re�iew af an�i��o�d zone det�rm�na��n r�sulting from ar�flbj ec�ion by Borrower. �f Borrawer fai�s to maintain any of the ca�erages describe�i abo�e, L�nder rnay obtain insurancc caverage, at Lend�r's opti�n and Borrov�er's expense. Lendex is und�r no abligation ta pu�chase any par�icu�ar type�r amount of cove�age. Therefore, such coverage sha�l c�ver Lendex, bu�might ar m�ght no�pxotect Borrov�er, Borr�w�r's equity zn the Prap�r��r, or the con�ents af the Prop�r�y, agaxnst an�risk, hazard or�xabiiity and mabht pro��de greater ar less�r ca�erage than vvas�re�iously in effec�. Bor�ov�er a�kr�ow�edges�ha�the cost of the insurance�overage so obtained m.�gh�signif�cantl�e�ceed the cost of insuran�e�hat Barrower cou�d have flbtained. Any am�unts disbursed b�Lender under this Sect�an 5 �ha11 bec�me ad�.��xanal d�bt of Borrower secured b�r this Se�u��ty �nstrurnent. These amaunts shall bear interest at the Nate rate from�he date of disbur�ement and�ha��be payable, with such �nteres�, upan notic�from Lender ta Bor�raw�r reques�in�paymen�. NEgRAS�{A-5ingle�ami�y-Fannie MaelFreddie Mac llNIF�RM[NSTR�M�NT F�rm�028 11a1 VMP 0 VMP6[NE)4130�1 WaIters Kiuwer�inancial 5er�ices Page B of 17