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201208395 requ'ued by RESPA, and Bormwer shall pay to L.ender the amoun[necessary to make up the deficiency in accordance with RESPA, but in no more than 12 montlily payments. Upon payment in full oT'all sums secured by this Security Instrument, L.ender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taaces, assessments, charges, fines, and imposidons attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items aze Fscrow Items, Bonower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrumern unless Borrower: (a) agrees in writing to the payment of[he obligation secured by the lien in a marmer acceptable to Lender, but only so long as Borrower is perfornilng such agreement; (b) cornests the lien in good faith by, or defends against enforce�nent of the lien in, legal procredings which in Lender's opinion operate to prevent the enforcement of the lien while those proccedings are pending, but only until such proceedings are concluded; or(c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Securiry Instrumem. If Lender detemtines that any part of the Property is subjecY to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. L.ender may require Borrower to pay a one-time charge for a real estate ta�verification and/or reporting service used by L.ender in connection with this Loan. 5. Property Insuranca. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any offier hazards including, but not lunited to, earthquakes and tloods, for which Lznder requires insurance. This insurance shall be maintained in the amounts(including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall 6e chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this laan, either: (a)a one-time chazge for flood zone determination, certification and tracking services; or(b)a one-time chazge for flood wne determination and certification services and subsequent chazges each time remappings or similaz changes occur which reasonably might affec[ such de[ermination or certification. Borrower shall also be responsible for the payment of any fces imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determina[ion resulting from an objection by Borrower. If Borrower fails to maintaiu any of the wverages described above, L.ender may obrain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obliga[ion to purchase any particulaz rype or aznount of coverage. Therefore, such coverage shall cover I.ender, but migh[or might no[pm[ect Borrower, Borrower's equiry in the Property, or the wntents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower ac�owledges that the cost of the insurance coverage so obtained might significandy exceed the cos[of insurance that Borrower could have obtained. Any amounts disbuised by L.ender under this S�tion 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shat]bear irnerest at the Note rate from the date of disbursement and shall be payable, wi2h such interest, upon notice from Lender to Borrower requesting payment. NE6FASKA-Single Family-Fanme MaeffreUtlie Mac UNIFOflM MSTflUMEPfT Form 3028 t101 VMP Gil VMPBINEI 111051.00 Woltars Kluwer Finannai Services Page 6 ot 1]