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-� 201210795 required by RESPA, and Borrower shall pay to Lender flze amount necessary to make up the deficiency in accordance wlth RESPA, but in no inore Than 12 monthly paq�ents_ Upon payment in fiill of all sutns secured by this Security Instnunent, Lender shall prompfly refimd to Bo�owex any Funds held by Let�dec. 4, Gharges; Liens. Borrawer shnll pay all taxes, assessineuts, El�ges, fines, and impositions attributable to the Property which can attain priority over tihis Security Instrument, Ieasehold paymeixts ox ground rents on the Property, if any, and Coinmunity Association Dues, Fees, and Assessments, if any. To the eYtenf that these itexns are�scrow Iteins, Sorrower shall pay[hem in the manner provided in Section 3. Borro�z�er sha11 promptly discharge any lien wluch has priority over this Security In.smiment unless Borrower. (a) agrees in writing to thc paymeirt of the obligation secured by the lien in a manner acceptable to Lendea, buY only So long as Borrower is pexfonnix�such agreement (b) eontests fhe lien in good faith by, or defends against enforcement of the lien in, legaI proceedings which in Lender's opinion operate to pxevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded or (c) secures froin the holder of the lien an ageeincnt satisfactory to Lender su�ordinating the lien to this SOeUrit}=Iuskaument If Lender deteimines that anypart of tfie Property is subject to a lien which can attain priority over thi,s Security Instrument, Lender may give Borrower a notice idenf.ifying the lien. Within 10 days of the date on a�hich that notice is givcn, Borrou�er sl�all satisfy the licn or take one or more of the actions set forth above in rhis Section 4. Lender may require Borrower to pay a on�time charge for a real estate tas verific2rion and/or reporting service used by Lender in coanection wiTh YIus Loan. 5. Property Insurance. Borrower shall keep the improvements now e�sting or hereaftee erected on the Property insured against loss by fue, hazards included within the tenn"extended coverage," and any other hazards mcludin�, but not limited to, earthquakes and floods, for wluch Lender reqiures uiswance. This incuranee shall be mainiained in the amounts(:ncluding deducrible leveL,)and for the petiods that Lender requires. GVhat I.ender rcqufres p�suaut to fhe pr�ceding sentences ca�i change during the tenn of the Loan. The insurance carrier providing ttie insurance sha11 be chosen by Borroi�er subjeet to Lender's right to . disapprove I3orrower's ehoice, �rluch right shall not be exercised unreasonably. Lender inay require Borrower to pay, in connection wlth this I oan, eithec (a) a on�time chazge fox flood zone deter�nination, certification and tracking seavices; or(b) a one-time charge for flood zone dzterminaYion and certification services and subsequent charges each tiine retnappings or similaz changes occLu which reasonably mighf affect such detemunation or certification. BoLrowei shall also be responsible fo7 the payinent of auy fees imposed by the Federai Emergency VIanagement Agency in coimeetion with the reciew of any flood zone de�erminaLion rc.-sulting from an objection by]3orrowe:. If Borrower fails Yo maintain ury of ffie coverages described abpve, Lenda inay obiain insur�ce co�%eragey at Lender's option aiid Borrower's expense. Lender is under no oUligation to purchase any particular type or amount of coverage. Therefore, sueh coveraae shall cover Lender, but might or nught not protea Borrower, Borrower's equity in nc�Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser cooecage flzan was previously in effect. I3orrower aelrnowledges that the oost of the insm-ance coverage so obtained might significantly excced the cost of insurance that Borrower could have obtained. Any amowrts disbursed by Lender under this Section 5 shall become additional debf af Borrower secured by this Security Instrument These amounts sktall beaz interest at thc Note rate&om the date of disbursernent and shall be payable, with such interest, u�on natice from Lender to Borrower requesting paymenL 24002484 N�RASKASi�gle Fzmily-Fannie tdae/Reddie Mac UNIFOR�.1 INSTRUUEN? Porm 3028 1/0� vMa� va�Ps(me�(a�os) W oltees Kluwer Fnancial Servicss Page 6 of 1�