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<br />20020423'7
<br />N0.078 F.28i72
<br />requited to pay Borrower anY interest or earnings on the Funds. Borrower and Lender can
<br />agree In writing, however, that interest shall be paid on the-Funds. Lender shall give to
<br />Borrower, without charge, an annual accounting of the Funds as required by RESPA,
<br />If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall
<br />account to Borrower for the excess funds In accordance with RESPA. if there is a shortage
<br />of Funds held in escrow, as defined under RPBPA. Lender shall notify. Borrower as required
<br />by RESPA, and Borrower shall pay to Lender the amount necessary to make up the
<br />shortage in accordance with RE$PA, but in no more than 12 monthly payments, If there Is a
<br />deficiency of Funds held in escrow, as defined under RESPA, lender shall notify Borrower
<br />as required by RESPA, and Borrower shall pay to lender the amount necessary to make up
<br />the deficiency in accordance with Ri =SPA, but in no more than 12 monthly payments.
<br />Upon payment in full of all sums secured by this Security Instrument, Lender shall
<br />Promptly refund to Borrower any Funds held by lender.
<br />4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and
<br />Impositions attributable to the Property which can attain prlgrlty over this Security
<br />Instrument, leasehold payments or ground rents on the Property, if any, and Community
<br />Association Dues, Fees, and Assessments, if any, To the extent that these items are Escrow
<br />Items, Borrower shall pay them in the manner provided In Section 3,
<br />Borrower shall promptly discharge any lion which has priority over this Security
<br />Instrument unless Borrower: (a) agrees In writing to the payment of the obligation secured
<br />by the lien in a manner acceptable to Lender, but only so long as Borrower is performing
<br />such agreement; (h) contests the lien in good falth bye or defends against enforcement of
<br />the lien In, legal proceedings which in Lender's opinion operate to prevent the enforcement
<br />of the lien while those proceedings are pending, but, only until such proceedings are
<br />concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender
<br />subordinating the lien to this Security Instrument, If lender determines that any part of the
<br />Property is subject to a lien which can attain priority over this Security instrument, leader
<br />may give Borrower a ' notice identifying the lien. Within 10 days 4 f the date on which that
<br />notice is given, Borrower shall satisfy the lien or take one or more, of the actions set forth
<br />above in this Section A.
<br />Lender may require Borrower to ay a one-time
<br />and /or reporting service used by'Lende in connetion with This Loan. tax verification
<br />5, Property InsNrancer
<br />erected on the Property insured against lasq by fire,, hazards$inc ud existing in or the term
<br />m
<br />included within the term
<br />"extended coverage," and any other hazards including, but not limited to, earthquakes and
<br />floods, for which fender requires insurance, This insurance shall be maintained in the
<br />amounts (including deductible levels) and for the periods that fender requires. What lender
<br />requires pursuant to the preceding sentences can change daring the term of the Loan. The
<br />insurance carrier providing the insurance Shall be chosen by Borrower subject to Lender's
<br />right to disapprove Borrower's choice, which right shall not be exercised unreasonably.
<br />Lender may require Borrower to pay, In connection with this Loan, either: (a) a one -time
<br />charge for flood zone determination, certiricativn and tracking services; or (b) a one -tlnle
<br />charge for flood zone determination and certification services and subsequent charges each
<br />time remappings or similar changes occur which reasonably might affect such determination
<br />-SKOG R.v 10/*00 NO 0 4f la
<br />/ FORM 3028 711
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