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201201199 requlred 6y RBSPA, Fmd Borrower shall pay to Lender the ainount necessary t� make up the deficieney in accordance with RESPA, buC in no more than 12 monthly pa}+ments. Upon payment in fi�ll of'all sume secured by tliis 5eeuriYy Instrument, Lender shall prompCly refund Yo Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pey all laxes, asaeesrnents, chnrges, fines, tmd imposiCions attribuCabfe to the Propei�y which can attain priorily�over this Security Inst��umer[t, leasehold paymen[s or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any, To the extent thaC theso items are Eserow Items, Borrower ehall pay them io the tna�ner provided in Section 3. Bm�rowcr shall promptly discharge any ]ie�i which has prioriry ovet ehis Secarity LisYiument anlcss Borrower: (a) ngrees in writin� to the paymenC of tlie obligation securecl by ihe lien in a mani�ec accept�ible tp Leuder, but only so long as Bono,war is performing such agrecmeu�; (b) conte.ats Clie lien in good Yaith by, ox defends againsC enforcemetit of the lie¢ in, legal proccedings which in Lender's opinion operaCC to prevent die enYorcement of the lien while those paoceedings are pending, but only until such proceedings a�a ooncludcd; or(e} secures from the liolder oP thc lien an agreement satisf2etoiy ta Lender subordinating the lien to this Security Instrument. If Lendex determines ChaC any part of the Property is subject Co a lien whicl� ean attain priority over this Securily Instrument, Lender may �ive Borrowcr a no�ice ideneifying the lien. Wifliin 10 days c�f the date on which ehat notice is given, Borrowcr shall sadsfy the lian or take one or mme of the actions scC Porfh above in this Saction 4. L ender may requiro}3orrower to pay a one-time charge for a real estate tax verification and/or rcporCing service used by Lender in connecdon with this Loan. 5. Properiy Insurance, Borrower shall keep [he improvemcnCs now existing or liereafter erecYed on the Property insured againet loss by fire, hazards included within Che term "extended coverage," and any oCl�er hazards including, but not limitecl to, enrthquakes and flopds, foc whicl�Lender requires insurance. Tl�is insurance shall be maintained in the amounts (ineluding deductible]evels) and Por the periods that Lender requires. What Lender requires pursuant to Clie preceding sentences cau change during Yl�e teLm of the Loan, The insurance carricr providing the insurance shall be chosen by Borrower subject to Lender's righC Co disapprovo 13orrower's choice, which ri�ht shall nof be exereised mueasonably. Leader may require Borrower to p�ry, in connecCion with this Loan, aitl�er: (a) a onc-time charge for flood zone datec�ninatiov, certification and h'aeking services; or (b) n one-tlmc charge for flood zone determin.rtio� and cartification services and eubsequent charges each Cirrie eemappiqg� or similac changes occu� which reasottably might afFeet sucli detecmiiiation or cerCificadon, Bormwer shall also ber¢sponsible for the payment of airy Yees imposed by the Fecleral F.mergency Managemei�t Agency in conneclion with Che review of any tlood zone determ3nution resulting from an abjeetion l�y Borrower. IY Borrower fails W mainCain any of Che coverages described abovc, Lender may obtain insurance covcrage, at Lender's option and Borrower's expense. Lender is undex no obligation To purel�ase anq puticular type or amomit of covcrage. Therefore, sttch coverage shall cover Lender, buC miglit or might not protect Borrower, Borrower's equity in the Property, or the contenCs of the ProperCy, against any risk, hazard or liability mid might provide grenter or lesser coverage than was previously in effect. Bormwer acknow[edges that Il�e oost of tl�e insurance coverage so obtained mighC signific�mtly excecd the cosC of insuravpe Chat Borrower could liave obWined. Any amounts disbursed by Lender under Chis SecCion 5 sliall become additional debt of Borrower secured by this Securiry Instrumenl. These amounts sli�ll bear interest at the Note rate from Clie date of disbursement and shall bc payable, wiCh sucli interest, upon notice Prom I.ender to Borrower requesCivg payment. za000zsi NFBRASICA�Singlo f-amlly-f nnie MaelFredAle Mac UNIFORM INSTRUMCNT Form 3�28 ll01 VINP�l VMPB(NE��111061 Woltere Kluwer Flnandal So�vicn; Page 6 0� I]