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<br />�11 pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than
<br />monthly payments.
<br />Upon payment in full of a11 sums secured by this Security Instrument, Lender shall promptly refund to Borrower
<br />� Funds held by Lender.
<br />4. Charges; Liens. Bonower sha11 pay all taxes, assessments, chazges, fines, and impositions attributable to
<br />: Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the
<br />�perty, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items
<br />� Escrow Items, Bortower shall pay them in the manner provided in Section 3.
<br />Bonower sha11 promptly discharge any lien which has priority over this Security Instrument unless Bonower:
<br />agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only
<br />long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against
<br />forcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien
<br />ule those proceedings are pending, but only until such proceedings aze concluded; or (c) se,cures from the holder
<br />the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender
<br />:ermines that any part of the Property is subject to a lien which can attain priority over this Security Instrument,
<br />nder may give Bonower a notice identifying the lien. Within 10 days of the date on which that notice is given,
<br />rrower sha11 satisfy the lien or take one or more of the actions set forth above in this Section 4.
<br />Lender may require Borrower to pay a one-tixne charge for a real estate tax verification and/or reporting service
<br />xi by Lender in connection with this Loan.
<br />5. Property Insurance. Bonower shall keep the improvements now existing or hereafter erected on the
<br />�perly insured against loss by fire, hazards included within the term "extended coverage," and any other hazards
<br />,luding, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance sha11 be
<br />dntained in the amounts (including deductible levels) and for the periods that Lender requires. What I,ender
<br />�uires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing
<br />: insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall
<br />t be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-
<br />ie chazge for flood zone deternrination, certification and tracking services; or (b) a one-time charge for flood zone
<br />ermination and certification services and subsequent charges each tune remappings or similaz changes occur which
<br />�sonably might affect such deterniination or certification. Borrower sha11 also be responsible for the payment of
<br />� fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone
<br />:ermination resulting from an objection by Borrower.
<br />If Bonower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at
<br />nder's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount
<br />coverage. Therefore, such coverage sha11 cover Lender, but might or might not protect Bonower, Bonower's
<br />iity in the Properly, or the contents of the Property, against any risk, hazard or liability and might provide greater
<br />lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so
<br />tained might significantly excced the cost of insurance that Borrower could have obtained. Any amounts disbursed
<br />Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instnunent. These
<br />�ounts shall bear interest at the Note rate from the date of disbursement and sha11 be payable, with such interest,
<br />�n notice from Lender to Borrower requesting payment.
<br />All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to
<br />approve such policies, shall include a standard mortgage clause, and sha11 name Lender as mortgagee and/or as an
<br />iitional loss payee. Lender sha11 have the right to hold the policies and renewal certificates. If Lender requires,
<br />nower shall promptly give to Lender a11 receipts of paid premiums and renewal notices. If Borrower obtains any
<br />rn of insurance coverage, not otherwise r�quired by Lender, for damage to, or destruction of, the Property, such
<br />licy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss
<br />In the event of loss, Bonower sha11 give prompt notice to the insurance carrier and Lender. Lender may make
<br />oof of loss if not made promptly by Bonower. Unless Lender and Bonower otherwise agree in writing, any
<br />surance proceeds, whether or not the underlying insurance was required by Lender, sha11 be applied to restoration
<br />repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened.
<br />uring such repair and restoration period, Lender sha11 have the right to hold such insurance proceeds until Lender
<br />�s had an opporlunity to inspect such Properiy to ensure the work has b�n completed to Lender's satisfaction,
<br />ovided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and
<br />storation in a single payment or in a series of progress payments as the work is completed. Unless an agreement
<br />made in writing or Applicable Law requires interest to be paid on such insurance proceeds, Lender shall not be
<br />quired to pay Borrower any interest or earnings on such proceeds. Fees for public adjusters, or other third parties,
<br />tained by Borrower sha11 not be paid out of the insurance proceeds and shall be the sole obligation of Borrower.
<br />the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds
<br />all be applied to the sums secured by this 5ecurity Instrument, whether or not then due, with the excess, if any, paid
<br />Borrower. Such insurance proceeds'shall be applied in the order provided for in Section 2.
<br />If Borrower abandons the Property, Lender may file, negotiate and settle any availabte insurance claim and
<br />lated matters. If Bonower does not respond within 30 days to a notice from Lender that the insurance carrier has
<br />fered to settle a claim, then Lender may negotiate and settle the claim. The 30-day period will begin when the
<br />►tice is given. In either event, or if Lender acquires the Properly under Section 22 or otherwise, Borrower hereby
<br />signs to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid
<br />ider the Note or this Security Instrument, and (b) any other of Bonower's rights (other than the right to any refund
<br />' unearned premiums paid by Borrower) under all insurance policies covering the Properly, insofaz as such rights
<br />ASKA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
<br />3028 1/01 Page 4 of 11
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