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201206906 required by RESPA, aud Borrower shaA pay to I.ender the nmoun[necessnry to n�ake up the dc6cio�lcy in aa;ordance With�IZNSPA, but i�t no more tlian 12 inont171y payinents. Upon payment in fcdl of all snms eectued by this Security Instrmnent, Lander ef�ll�romptly refund to Borrowcr any F'unds l�cld by Lcndcr. �l, Charges; Liens. 13�rrower sh�11 pay all taxes, assessments, charges, lines, aud imp�sitious nttributnble to thc Property whicl� can altain priority crvcY this'Sccurity inntrUment, lcasehold paymenfs or ground renCs on the Property, if any, nud Coinmunity Associa[ion Dues, Pees, and Assessmente, iF any. 1'o the oxtent tl�at these itoms are Esorow Items, Borrower shatl pay them in the manner provided 'vi S�ction 3. Rorrower shell prompkly diechu�ge uiy lien which hea prioriYy nver tliia Security Instrument unless Bbrrower: (a) agrees in writing Eo the peryineilt of the obligafion secured by tl�e lic�n in a m�.nnor acceptable to Lendex, but only so loug ne Borrower is performing such agreement; (b) contests the liei2 n�good faifh by, or dafends against atilorcauient of'tlie lien iu, lega[proceedings which in Leuder's opiniou operflte to prevent the enforoement of the lien whi1e those jlmceeding�are pend+ng, Uut only until such proceedings ere o�ncludcd; or(c) sc�iaras fi�om tl�e l�older of thc lien an agreemenC�;atisPactory to Lc��dcr subordinafinb tl�c licn to tlils SecnriCy fl�al��un�ent. If Lender cleCennines Chat any pert of the Pinperty is su6ject Co a lien wl�ich oan nCt�in prioxity ovex this Security Instrunient, Le�ider may give Boirower n notice ide�ikifyin�the lien. Within 10 days of'Uie d�te on which that notice is given, I3orrower shall satisfy Uie lien or take one or more of the actions sot forth a7�ovc ii2 thin Scction 4�. L�nder maq teqiure 13on�owcn to pay a onc h'vne charge far a real esl2fe la�;veriGuntion and/or rcp��rtii�g service used by Lender in counection with this Loan. 5, Prnperty Insuranee, Bon•ower shnll lceep the improvements now existing or hereafter erected on the Property instiued against Ioss Uy Fre, haaards iucluded within the tenn"extended coverage," aiid any atner haaarda including, buC uot limited to, earthq�t�ilccs and fl<,iods, for wl�ich Le;ndcr reqaires insu�'ance. 'Ll�is. insLu ance sl�aq bc maintaincd in the amoimts{including deductible levels) cuid for Ihe periods Chat Lender requires. What Lencler requires pursu4nt to the preceding sentences cnn change during the term of the Loan. The iusurance cnrrier�roviding the insw ance shall Ue chosen Uy Borrower suU,ject to Lender's right Co disapprove Borro�ver's choine, which riglit shall not Uc cxcrciecd tmreasonably. Lender inay reyuiro Borrower to pag, in conneclion with Clris Loui, eitkex: (a) a one-Lirne ehat'ge for flood zona defermination, certifica�tion ancl tr'aclring services; or (1i) a one-tin�c c1�arge for fload zone dcicnniilalion and ecrtifirctttron servioes and s'ubseqr�enl oharges eaoh time r�mappir�ns or sinular ohAnges oocur which reasonably might nffeot such determination or canification. Borrower sha11 also Ue responsible for the payment of'a�ry feas imposed by the Fedexal Rmeegency Mai�agcm�nt Agency in coruicctinn witih tho rcviow of any flood zonc determination r•es�ilting fro�n an objec�ion hy Borrowet. If Borxower fails to maintain any�of tho co��etages doscribecl above, Lencier n�ay �btain in�itrar�w oovorage, at Le��Qcr's option and Borrowe��'s expense. Lender ie under na obligAUon to parohase ntry particular lype ox amounC of coverage. Therefore, such coverage shall cover Lender, buC mighY or might itioC protect IIorrowar, Borrower's equiCy iti tihe Property, or the coutents of the f'roperty, against any tislz, hazard or]iability and �avg1it provido grcater or lu�.ser coveraga 6han was previonsly in efFecC. Borrowar ncknnwledges lha6 the eost of the insurnnoe coverage so obt�inecl migl�t significantly exceed the cost oP instueuice that Borrower cottld haue obCained. Any amotiwts digbur6ad Uy I,ender under Yhin Scction 5 sl�al] bccome additional debt of B�rr�twer secm'�eci l�y Chis Seourity I�ishtiment. These amounts shall bear interest al tl�e Notie raCe fron�lhe dete of disburaement�nd shall be payable, �=ith such interesC, upon notice finm Lender Co Borrower requesting payment. --"------_"'_— _—_—� ----- 24001825 NEksFASKA-Singla Femity-Fannie M17 ae7FredAie W ac UNIFORid INSTRUId FNT Form 30?.0 1/01 VMP(�7 VMPO(NE)(7105I Wal�ms Kluwe�Financial Savlces Page 6 of 17