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201206710 required by RESPA, and Borrower shall pay to Lender tbe amount necessary to make izp the deficieney in accorclance with R�SPA, Uut in no inore t�an 12 monilily yaymcnts. Upon paymenf in full of all sums secwad by Y1us Security Instrument, Lendex shall promptly refimd to Borrower any Funds held by Lender. 4. Charges; Liens. Bcsrrower sball pay a11 taxes, assessments, charges, fines, and impositions attributable to the Properiy which can attain priority over this Security Inshument, leasehold payments or ground renfs on the Property, if any, and Commxwity Association Dues, Fees, and Assessments, if any. To the�tent that these iteins aze Escrow Items, Borrower sha11 pay them in the inauncr provided in Secdon 3. Borrower shall promptly discharge any lien which has priarity over this Secunty Instnunent unless Boaower. (a) agrees in writiag to the payment of the obligation secured by the lien in a manner acceptable to Lcndet, but only so]ong as Bprrower is performing such agreement (b) contesYs the lien in nood faith`vy, or defends agaiivst enforccment of the lien in, legal proceedings which in Lender's opinion operate to prevent tiie enfaroement of tke lien while those proceedings aze peading, but only unril such praceedinge aze concluded; pr(c) s�cures from the holder of thc lien an a�eement aa#isfactory to Lendcr suUordinating the lien to this Security instiwnent. If I,ender detennines fliat anypart of the Property is subject to a lien which can attain priorlty over tlus Security IusYru3nenY, Leader may give Borrower a notice identifying the lien. Within IO days of the date on which khat notice is given, BorroRrer shall satisfy the lien or talce one or more of the ac[ions set forth above in this Section 4. Lender may requir�BonoWer to pay a one-rime charge for a real estate ta�.�erificatian and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now e�sting on c�reafter erected on the Property insured against loss by fire, harards included withui the term"extended coverage;" and any other hazazds including, but not limited to, earthquakes and floods, Por�vhich Lender requires insurance. Tlus insw-ance shall be mairRained in the amounts(including deducYible levels)aud�£or the periods that Lender requires. What Lendet requires pursuant to the preceding sentences can change during the term of the Loan. The insurance c�trrier providing the insuranee shal l be chosen by Borrower subj ect to Leader's right to disapprove Borrower's choice, which right shall nof be exercised uureasonably. i,ender m2y require Borrower to pay, in connection with this Loan., eithet: (a) a one-time charge for flood zonc dcterminatiou,. certification and traclang services; or(b) a one-rime charge for flood zone determivation and certification services and subscquent chazges eac$time remappings or similaz changes occur which reasonably mlght affect such deteruvvation or certifica.tion. Bonower sh<�ll also be respoivsiUle for the payment of any fees iuiposed by the Federel Emergency Management Agency in connection with the review of any flood zone detenrrinxtion resulting from an objectic�n by Borrower. If Borrowea fails to maintain any of the covcrages described abovz, Lender may obtaiu insurance coverage, at Lender's oprion and Borrower's�pense. Lender is under no oblia tion to purchase any pariicular type or amount o£coverage. Therefore, such coverage shall cover Lender, but might or inight not protect Boiiower, Borrower's equify in the Property, or the contents of the Properiy, against any risk, k�zzard or liability and might provide��ter or lesser co�zerage Lhan was previously in effect. Borrower acl�owledges that the cost of the insurance coverage so obtained might s a�nificantly exceed the cost of insiu-ance[hat Borrower could have obYained. Any av2ounts disbuxsed by I,ender under tl�is Sectiqn 5 shall become additional debt of Rorrower secured by L'us Security Insirument. These amoUats shall bear interest at the Note rate from the date of disbUrsement�d shall be payable, with such inteiest, upon notice from Lender to Borrower requestina=payment. zaoons� NEBRP.SKH-$ingte Family-Fannie MaelFredtlie Idae IINIFORN MSTRUM FJJT Porm 3020'1101 VNI P OO Vbl P6(NE)(1105) lhblters Kluw er Financial Services Page 6 0�t]