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�o��o9s�� required by RESPA, and Borrower shall pay to Lender the amounl necessary to make up the deficiency in accordancc with RESPA, but in no morc than 12 monthly payincnts. Upon payment in full of all sums secured by this �ec:urity Instrument, Lender shall promptly refund to Bonower any Funds held by Lender. 4. Charges; L'lens Borrower shall pay all laxes, assessments, chargeti, Gnes, and impositions altribulable to the Property which can attain priority over this Security Instnunent, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessmenis, if any_ To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrowcr shall promptly dischargc any licn which has priority ovcr this Sccurity Insirumcnt unlcss Borrower. {a} agrees in writing to the payment of the obligation secur�l by the lien in a manner acceptable to Lender, but only so long �s Borrower is pt7f'orming such agreement; (b) cont�sts the lien in good faith by, or defends uguintit enfi�rcement of the lien in, legal proceedings which in Lender's upinion c}perdle lu prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures lrom the holder of the lien an agreement satisfactory lo Lender subordinating the lien to this Security Instrument. If Lender detennines that any part of the Property is subject to a lien which can attain priority over this Security Instnunent, Lender may give Borrower a notice identifying the lien. Within 10 days of thc datc on which that noticc is givcn, Borrowcr shall satisfy thc licn or takc onc or morc of the actions set forth above in this Section 4_ Lender may require Borrower to pay a one-time ch:u�ge for a real estate tax verification andlor reporting service useci by Lender in cunnec;lion wilh thiti Loan. 5. Property Insuranoe Borrower shall keep the iinprove�nents now existing or hereafrer erected on the Property insured a�ainst loss by fire, hazards included within the term "extendeci coverage," and any other hazards including, but not litnited to, earthquakes and floods, for which Lender requires insurance. This insurancc shall bc maintain� in ihc amounts (including dcductiblc Icvcls) and for thc periods that Lcndcr requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to ditiaPprove Borrower's choice, which right shall not be exercitiecl unr�sonahly_ Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for tlood zone determination, certification and tracking services; or (b) a one-time charge for flood zone deterniination and certification services and subseyuent charges c�ch time remappings or similar changes occur which reasonably might affect such detertnination or certi�cation. Borrower shall also be responsible for the payment of any fees imposcd by thc Fcdcral Emcrgcncy Managcmcnt Agcncy in conncction with thc rcvicw of any flood zonc determination resulting from an objection by Borrower. [f Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, al Lender's option and I3orrowc.�r'ti expense. LenJer is under no obligalion lo purchase any parlicular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or ltsser coverage than was previously in effect. Borrower acknowledges that the cost of tbe insurauce coverage so obtained might significantly exceed the cost of insurance that Borrower could havc obtaincd_ Any amounts disburscd by Lcndcr und��r this Scction 5 shall ba;omc additional dcbt of Borrower secured by this Security Instniment. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower reyue.tiling payment. 1111023724 1111023724 N�RASKASingle Family-Fannie Mae/Freddie Mac UNIFORM INSTIa1MBVT Form 3028 1l01 VM P (� VM P8(NEJ (1105) Wolters Kluwer Fin�cial Services Pa3a 8 of 17