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201208477 tequired hy RESPA, uid Borrower shall pay to Lendar the amount necessary to make u��the deficiency in accordanoe with RESPA, but in no more t1tan 12 rnonthly payi��enCe. Upon payment in full oi'al1 suins secm'ed by thi.v Security ii�strurncnt, I,cndor�ihx�ll�roittpClq refund to Borrower au,y Funds held Uy I.ender. 4. Charges; LiEns. Borrowar shall pay all taxes, assessments, chargos, finu�, and i�npositious a6fribuCable to fhe Propertiy wliich can attain priority ovcr khis Seci�riCy I�isfiument, leaseholci payments or gcound rents on the Property, if any, �nd Comn�uniCy Afisocia[ion Dues, Pees, and Aasessments, if nny. To the extent that those itcros are L�sorow Items, Borrower shall pay Yhein in tihe mamier provided in Section 3. I3orrowcr shall promptly disoharge pny lien which has priority over this Seotuity�ishumeilt uuless Borrower: �(a) a�grees in writing to the paymcut of Hio obligntion aecured by the lien in a i��anner acceptable to Lender, but only so long as Borrower is perfoxming such agreement; (b) contests the lien in good�fai(h by, or defcnds againef enPoroeu�ent of the lien in, legal proceedings which in Lender's opinion operate to prevc��t the emforcen�ent of the lien while tltose proceedings are pending, but only m�ti1 such proccc;dings are concluded; or(c) seoures fi�om the holder of'the lien nn agrecnnent�atisfaeto�y tc�Lender eubordinating the lien to this Secucity Instrwnent. Jf l.e��d�'dctcrmines (haC �ny part of the�Properry is subject Yo a lien wluch c�n attain priarity over tl�is Sccw�ity Instrument, Lender may glve Borrower a noGica identifying the lien. Witltin 10 days oP Che tlaCe on which that notice is given, Borrower shall satisfy the]ien nr take one or inor� of llae aelions set forth above in tliis Sectioii 4. Lender may require Bocrowar to pay a one-titre char�;c for a real estaCe fax verification andlor reporting service used by Lender Sn conncction wifli U�is Loan. 5. PropeYty InSUranee. ]3orrnwcr shall ]mep U�e iinprovements now existing or here2fter erected on tl�e Property insured against losa by fire, hazards included wiYhin the tierm"exteuded coverage," and any t�thcr haaards including, but not limited to, ettrthqualces and floods, for wl�ich L,eudet rcquiret insurauce, This insiu'nnce sh211 be m�intained in the aanoturts(inchtding deductiblc lavds) and f�r the periods that Lender xequires. What Lender requires pw�suant to fhc prc,n cdivg sencenoes o�n cfienge duriug the term of'the LoTu. The insurance carrier providing lhe ineurance shnll be cltosen by Borrower suUject to Le�ider's right to disapprovo Borrower's ohoioe, which righY�aha11 not be exercised w�reaeonably. Lender m�y rcquirc Borrower to pay, in connecCion with diis Louz, either: (a)r�on�time cherge for flood zono dctcrminafron, certificatiEni zmd Lracking eervices; or(b)a one-time charge for flood zoiie determinaHon and ccrtifioation aervices nxid subsequent charges each tiine remappings or eimilv'ch�nges occur which re�2son�bly nvght affect auoh defermination or ccrtifiiaation. Borruwer shall nlso be ree�onsible for the payment of'azry fees imposed Uy the Fedcral�mergericy Maungement Agency in oonnaction with the review oP any�lood zone dctcrmination resulting from nn objection by Borrowar. IPBorrower fails to inaintain eny of lhe coveragea described above, Lentler may oUtain insuxance coverage, at Lcudei's oplion and Borrower's expeuse. Lender is wider no oUligaEion to purchase any particular typc ot amount of ooverage. Tharefore, snch coveraga sha11 cover Londci•, huC mighk or inighC nol protect IIorrower, Bocrower's equity in thc ProperLy, or fhe contencs of the Pxoperry, against�ny risk, hez�td or liability azid might provide gceater ar lesaer poverage theu was previously in effect. Rorrower acl<uowledgcs that Yh�cost of the ivanrnrice oovera�ge so obtaa�ed might s'r�,n�ificantly cxcecd Ehc cose of insur�nce hhat Bon�ower oonld have oUtained. Any at��ounts disbursed by Lender undex this Section 5 shall become additional deUt of 73orrower sccLu'ec{by[lus Security Instrument. Thesa�nounis shall Uear interest at the Note ratc frotn fl�o c�ate of disbnra�ment and ahall be payable, witll such intere.st, tiipon notice from Lcndcr �o Borrower requesting payinent, zaoozqx� NEeAABKA-3ingle Famlly-Fennle A�na/Freddie Maa UMFORM INSTRUMENT Form 3a28 9/01 VM P� VM P6(NE)(1105) Wolters Kluwe�Pinancial Services Pepe 6 nf i/