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201200506 raquircd by RFSPA, a�id Borrower shall pay to Lcnder the a�nowit ncceas�ry to inalce up the deficiency in accordnnee with It�SYA, bLrt in nn mora than 12 n7onLhly payments, Upon��ayinerrt in full of all awns secured by this Security Inshument, Lender shall promptly refund fo Borrower any Funds he1d Up l.eudar. 4. Charges; Liens. Rorrower shall pay all tnxes, aescssr�ients, charges, fines, and imposifions atUibutable to tke Properfy whiph cav attain prinritiy over thie SeouriCy Inetrumcnt, ]easehald pa}nnenLs or ground renTs on the Property, if zny, nnd Cominimity flsyocia�tiion Duea, Fees, nnd Assc,ssmenEs, i£any. To the extent thtit fihe9e ifems are Escrow Stems, Boxrower shall pay thein in the inntuZer provided in Section 3. Rorrower shall prompYly discharge any lien which l�as priority over this Security Inshuuient unless IIoxrawex: (aj lgrees in writing to khe payinent of the oUlig�Cion 9ecured Uy tlie lien in a manner ance��taUle to Lender, but only so Iong as Bon�ower is�erforining such�gxeement; (b) contests t11e lien in good faifl�hy, or detends against enforcement oF ehe lien in, logal proceedings which in Lender's opinion operate to prevent tlie enf'oreement of the lien while those proceedings are pending, but oi4y until such�roccedings are concludcd; ot(e) sectxres from The holder of the lien an ngreomcnt 5atisfaotory Y�o Lencler subordinaCing the lien fo fhis Security Instnuncnt. ]f I',euder detennines thnt eny p�rf of tl�c Property is subject to a lien whidT cui attain priority over tivs Security Instrument, Lender inay give Borrower a notice identifying the lien. Within 10 dAys of the date on which that notico iC given, Rorrower slu�ll sAtisfy the lien or talce one or tnore of Lhe actions sct forth above,in tl�is Section 4. Lencler may rcquire Borrower to pay a on�tiine charge for�a real cstate tax veritication and/or reporting service used by Lender in wimcc}iEm with thie Loaai. 5. Property Insuranee. Borrower shalll<eep the improvements now existinb or hereafter erected on the Properfy insueed ng�insc loss Uy firc, ha�ard�included wit[iin the term"exCendui covarage," and uiy other hazaa�de ineluding, but not linvCeci Co, earthqualces aud floods, Par which Lender rec�dres insurance. This ins�u'auce shall ba maintained in the amounl�s(inclnding dcdiictible levels) and for the period6 th1C Lender requires. Wliat Lender requires pm�suaart to tha preoeding senfencce oau change dm�ing Uie term of tihe Loan, The insw��noe ourier proviciing tiho insurance sha11 lie chosen by Borrower subjwt to T.ender's right to dieapprove Bon•ower's choice, whioh xighe shall not Uo cxeroised wu easounbly. Leude��may rcqtiire Bon�owcr to pay, in comiection with this Loan, either: (n) a one�Limo char�e for �tlood zone detennination, cerfifieation enel t��aeking seivices; ar (b) 1 one fime c;ha�'ge for filaod sone daYernvnation and corLiScation sorvices and sLiUsequant charges each tiine remappings or aiinilac changes occur which reasonably mighC affect such delern�inllion or certific<[Yion. Rorrower shttll elso ba responsible for the payment of any f'ees imposed by the Pederal Emergency Managcmeiit Agency in connec6on with the revicw of airy flood aone deCerinination rasulting fxotn an oUjeotion by Borrowcr. I4'Borrower fails to maintAin any oP 11�e cove��agcs de�criUed Tbnva, Lender mfly obtain ins�iranco coverage, at Lender's option aa�d Borrower's expense. Lencler is undc��no oUligation Co pixrchase any particular type c�r vi�oLUrt of cnvcragc. 'fhcYefore, such coverage shall covex Lender, l�uC might or might not proYect Boirower, Borrowex's equity in the Property, �r the cot�teirts of the Property, againet nny rislc, 7�azard or liqbilrty and ntight provide ga'eatac or lesser coverege Lhan w�s prcviously in effect. Borrower nslaiowledges that N�e cost of the ineurance coveragc so oUtained might significautly exceed the c��t of ineurance that Borrowet•coulci have ol�tained. Any au�oimis disbursc;d hy I,ender midar this Section 5 ehall beooil�c additional deUti of Barrower seoured by Yhis Security TnsCnm�ent. Thcsc amomits shall Ueu•interest t�t the NoCo ratc fi�om Uie date of diabucsement and shall be payable, with suoh interest, upon notice from Lender to IIorxowe� requestiug payment. 2aaaoo�s NEBRA31<ASingleFamlty-FannieMaelFretldleMec UNIFORM IN9TRUMENT Porm 302817a1 VM11 P� VM PG(Nf)(7105) Walters Kluwer Flnenclsl5ervices P�ge 6 of 17