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��14�4995 rec�uire�.b�r RESI'A, �.x�d Bot•roWe�s1�a1�pay�fl Le�der�h�arnou�t r�ecessa�y�o�n�1ce�.�p��le c�eficie�cy��. accflrc�a�lce wi�;I�RESPA, bu�i��o��ore t��an 12 trioil�hly payinents, U��.1��.y1Y1@11�:111 FLI�I�F c�II 5U1175 S�CU�'eC��]y t�115 S�CL��'1�:y T115��'Ur71et1�;; Zer��er�hal��ro�n��ly��e�iX�.d�a Lorrower any F�r�ds.Ile�d�y Lender. 4� Gharg��; �iens. Borrower s��a11�ay a11�axes, assessine�l�s, charges, fines, afzt�i�np�sit�flns �.ttribut�.Ule ta ��e Proper�y w�iic��ca�.a.trai�l pt�io�i�y aver�hi� SecLtri�y Ins��utnent, �e�seh��c��aymer��s or g�aund re�� ar� 1;��e Property, zf�.�y, a.z��.Co�n�nu.r��f�y Assacxa�io�a.Dttes, rees, an�.A�sessme�.�s, if�ny. Ta �lze extei��1�:t �hese��e�ns are Esc�ovv��etns, Bor�owe� s�la.��ay�:1ze��n in��e�nat�ner�aro��ded i�Sec�ioz�3. Ba�row�r s��a�l pra�nptly disc��arge��y 1iet1 vvhicll�.as priority Qvet•�his Sec��ri�y Ixzs�r��rae�z�t��ess Bo�roWer; �a.� agrees in writir�g to��ze payinetl�of�he nbligatio�l secured�y�1�e�ie��.a�na�a�.er ac�epta�le �;o Lender, �u�o�y so�ong as B�rrower i�perfor�r�r��such agree�neri�; �b� coza�es�s �1�.e lien i�a gao�.faitlz b�, or defends agai��s�er�force��er��of�he 1ie�1 ir�, lega�proceed�ngs w�1�Gh�n Le�.de�r's opini��erate to pr�v�n�; �he�r�force�a�.e��of�he�xe��.vt�h��e t�.ose proceedi�.gs a�e pe�z��ng, �u�on�y u��i� suc��prace�dings are conc�u�ed; �r �c� secL��e�fro�n the�i�1�er of��ien at�agreelneizt satisfacto�y to Lende�su�ordi�ati�g�he lie��o�his Secut•i�.y 7��tru�llet��, If Ler�d�r detet•inir��s�1��.�a�y�aar�of the Pi�oper�y�s�ubjec��a a��e��.vt�hich ca�at�ain p�i�ri�y over��s Secur��y I��s�r�.�ine�t, L�tlder�-nay g�ve B�r�ov�re��.�za�iGe�c��n�ifying t�ze 1ien. �x�hi�a. ��days af��ae da�e on w�icli tha��ot�ce�s g�ver�, Bo��ower�ha11 satisfy the 1ter�or�a��e oi�e or�nat•e of t��ac�xans set for�h abave i��h�s Sec��on 4, Le��.e��n�.y�require�3orra�wex��o�ay a o�.e-�xzne ch�rge for a real es�a�e t�.x vera.f�ca�:iori andlor rep�rting se�vzce usec�by Lender i�.con�zection�rit11 t��.�s Lo�n. 5. Proper�y �nsurance. 13orro�er s��a�l�cee��ze�mprove�ne�z�s�.ovtr e��s��g or hereafter�re��ec�0�11:�1e Property insu�ec��.gainst 1o�s by��e, hazards ir�cludec�wi�lzir��11e�er1n"ex�et�ded cover�.ge," �nd ar�y other ��a2arc�s i�cludz��, but no�lirni�ec�to, ear�l�qualces a��d f�oo��, lor vvhic�l Lender requires i�su�ance� This insurance sha1l be�naintain�d i�l�h�a�noun�s (incli�c�t�1g deduc�ib�e Ievels� and Far��le perioc�s xh�.ti Le��.�er requi�es. �Vha�Len�er r�quit•es pursuan��o the p�ecet�i�lg sentences ca�change c�tt�ir�g�11e�e�111 of the Loan. T��e ir�surance carr�er prov�d��zg�he�nsura�.ce sha1�be cl�osen�y Barrower•subj ec��o Le�der's z�ig�1�i.a c��sap�rflve Bor�owe�•'s cho�ce, w��.�ch rig�1�sha.11��o��e exercis�c�u��easor�ably. Le�1�.er znay�•eqt�i�e Bo��ovsre��o pay, ��.cox��.ec��o��.v`r��x�l�is Loa��, e��11er: �a� �.ot�e-�i�1�e c��arge fo� fl.oad zo�ae d��erxni��atio�i, eer�xfica��o�.a�1c�.t�acicing serv�ces; or�b� a o�1e��i��1e c1��rge far f�ooc�zone c�e�er�nx�a��o�z aX1d�ertif�ca�io�z servic�s az�d su.�sequen�charges �a��i�ne re��appings or siin��.r c1�a�lges �ccur v�hich�e�sonal�l��igh� a�fec�su�h d��er�xu�latiori or�er��f�ca�io�1. Borrower sha11 also be�espo�sib�e f�r�he p�.y�nen�of a�a.y fees ��n�ased b�r�.ze I'edet�a�E�zlerg�n�y Ma��age�ne�1��gei�cy in co��lecti�tl wit1�th��•eview Qf��Zy flood zo�e de�er�r�.i�1�.�ion resulti�g fi o�n a��o�j ection�by Bor�ower. Ir Bor�awer rai�s to�n�:ir�tai�l any ol t��e cover�ges t�escl�i�e�.a�aove, Le�l�er�n�.y ob�ai��nsurarice cavera�e, af:I�etic��r's ap�ion and B�rrower'�expe�-�se. l�ende�•is under xzo ob�z�a��oz��o pt�c��ase�.ny��r��cular type or a�nour��:�r cove�age. Tl�ererore, suclz cav��'age sha.l� cover Len�.er, l�u��a.aigh�a��nig��o�p��o�ec�Bo�t ovtrer, Borrower's ec��.�ity ir�tlle Property, or the conten�;s af�he P�ro�er�y, agaxris�a�zy��s��, haza�d o�•��abi�i�y�nd ��liglzt p�ovide g�•eater or�esser cover�.ge t��an was��'ev�ous�y��:ef�ec�. �3oirro�ver ac�tnaurledges�ha��1�e c�st ol t�z�i�-�sL�rar�ce c��v�rage so obtait�ec��ni��z�s�g�a.�fica�n�ly exceed the c�s�of i�7surazlce��a�13orrow�r could. lzave ol�ta.�nec�. A�y at�oun�s c�isbursec�.by Le�zder u��er�11�s Sec��az15 Sha.�1 beca�ne a�.d��ona1�.eb��f Bo�rower securec�by thi� Secut•ity I�zst��.��ne�z�. T�aese a.��o�.�r�ts shal�be�r i�l�erest a��le N�te zTate fi•o�11��e �ai:e of disbL��•setnen�a.��d sha��be�ayable, vvitlz st�c�a in�eres�, upa��a.o�ice f��n Le�zd��a I3orrow�r ��e�ues��ng pay�ne�lt. 2��467�7 NEBRA51tA-Sin�le Family-Fannie Maell�reddie Mac UNI��RM INSTRLIM�NT Form 3�28 11a� VM P� VM PG�NE��9 3�2} W oiters Kluw er Financial Sarvices Page 5❑f�7