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��14�5�1� ��1��4�54 required by RESPA, and Barrower shall pay�o Lender the arnoun�nece�sar}�ta make up the de�i�;�en�:y in accorda��ce wit��RE�F�, but in��o m�r��han �Z monthly paym�nts. Up�n payme��in fu��flf all sums se�ured by this Securi�y�nstrument, Lende�sha��p��mp�ly refund�� B�rz�ov�er any Funds held by Lender. 4. �harg�s; Liens. Bo�ro�ver shall pa�r ali taxes, assessm�n�s, charg�s, f nes, and impos�tions attributable t� �he Property��rhich can attain priaz�ty o�er this Security Instrument, �easehold payments or ground ren�s on th� Property, �f any, and�ammunity Assacia�ion Du�s, Fees, and Assessments, ix any. Ta�he e�.�ent tha� �hese i�ems are Es�row �tems, Borrower sha��pay them in�he manner pravided in Se�tian 3. Borrawer shall pramp�l�discharge any li�n�uh�ch has priori��av�r this Security�nstrument unless Borrawer: �a} ag�rees in�yriting t�th�pa�tment of the�b��gat�on secur�d hy th��ien in a manner a��ep�able to Lend�r, bu�oniy s�l�n�as Barr�wer�s perfarm�ng such agre�ment; �b}�ontests th��ien in ga�d faith by, o�defends aga�nst enfor�ement of the Iien in, �egai proc�edings��hich in Lende�r's op��nion flp�rate�a p�r�v�n� the enforcemen�of th��en�vhile�hos�proceed�ngs are p�nding, but an�y un�it such proc�ed�ngs are conc�uded; or�c} s�cures fron�the ho�dez�of the lien an agreemen�satisfactflry ta Lender subordina�ing the Iien�o th�s Security Instrun�ent. �f Lend�r dete�rmin�s t�a�any part Qf th��raperty�s su��ec�to a l��n which can at�ain pr�ority aver this Securi��r Instrum�nt, L,�nde�r may gi�e�or�ower a not�c��dent�f�ing�he li�n. �ithin 1�days of the date�n��rhi�h that no�ic��s gi��n, Borrower sha�l satisfy the lien or�a�e c�n�o�n�ore �f the ac��on�se�for�h abov�in�his Section 4. Lender ma�requ�re Bo�rrower to pay a one-�ime charge f�r a real estate ta.�verification andlor r�port�ng serv�c�used 1�y Lender in connect�on�v��h this�.oan. 5. Property fnsuran�e. Borrower sha�� keep the imprav�men�t�naw exis�ing or hereafter��ec�ed on the �roper�y�nsured against lass by f�re, hazards included within th�term "ex�end��i coverage," and any��her hazards in�luding, but n�t iim�ted to, earth�quak�s ar�d floods, for vvh�ch Lend�r requires�nsurance, This insu�ance shal�be maintained in�he amounts�including deductib�e�ev��s}and far the periods�ha�Lend�r r�quir�s. i�ha�Lender requires pursuant to the pr�ceding s�ntenc�s can chan�e during th�terrn�f the Laan. The insurance carr��r prov�ding the insurance shal�be chosen b�Borro�er subjec��o Lender`s r�ght�� disappraWe Barrov�er's ch�ice, wh�ch right shall na�be exerc�sed un��asonab�y. Lender ma�require Borrower to pay, in c�nne��n w�th this Loan, �ither: �a}a one-time cha�ge f�r fla�d zone d�ternunati�n, c�r��at��n and track�ng sez�vices; or�b} a fln�-time charge for flao��one d�t�rmination and�er��f cation services and subs�quent�harges each tim�remappings flr similar change�accu�w�aich reas�na��y maght aff�ct such d�term�nat�on or�ertification. �orra��er sha�i a�so be resp�nsibte for th�pa�men�af any fe�s imp�sed by�h�Federa�Emergency Iv�anagement Agen�y in c�nnection��rith the review af an�flood zone ��tez�minat��n resul�in�f�r�m an ob�ec�ion by Barr�we�. �f Borro��v��fails to ma�ntain any af the c��erages described abo�re, Lender may ob�ain insuranGe co�erage, a�Lend�r's opt�on and�or�ower'��xpense. Lender is unde�r no abligation to purchase any par�icular�ype or amoun�of c�verag�, Theref�re, such co�rerag�sha��co�rer�ender, but m.ight or might not px�t�ct��rrower, Borrawer's equi��in the�'roperty, or th�c�nten�s�f�h�Praperty, agains�any �r�sk, ha:Lard❑r�iab��ty and might pravide gr�a€��r or Iesser c�verag�than was prev�ausl� in efFe�t. Borrflwer a�knowl�dges tha��h�cfls� �f the insurance cflverage so a��a�ned migh��ignificantly exceed the Cos�of i�sura�r�ce tha�Borrawer cauid have abtained, Any amounts d�sbursed by Lender under this Se�tio�n 5 shal�becom�add�t�ona�deb�af Barrower secured by this Securi�� Instrumen�. These am�un�s sha��b�ar interest at��e�ot�ra��from�he date of dis�ursemen�and�hail be pa�abl�, wi�h such in�er�st, up�n notice from Lender�a Borz�ow�� reques�ing pa�ment. �i�gRASKA-Sing�e�amiiy-Fannie Ma�fFreddie Mac UNl�ORM IN5TRL3MENT �arm 3�28'fl�� VfUIP Q VM�6tNE1 t3 3��1 Wviters Kltaw�r fina�cial SerWices Pags fi of 17