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��15�4541 required�y RESPA, and Barr�wer sha�� pa� to Lender�he amoun�necessary to make up�he defi�;�ency in accardance with RESPA, but zn no more than ��m.onth�y paym�n�s. �Upon payment in ful�of a�� sums secured b�r�h�s Securi��r�nstrum.ent, Lender sha�l promp��y refund t� Borro�rer any Funds held by Lender, 4. �harges; Liens. Borrower shall pay all taxes, assessments, �harges, fines, and imposi�iflns attr�butable t� the Property wh�ch�:an atta�n priarity��er this Securit�Instrurnent, leasehald payments ar ground rents on the Prope�ty, zf any, and�ommunity Ass�cia�i�rz Dues, Fees, and Assessments, if an�, To th�exte�t tha� �hes�items are E�cravv�tems, Borr�wer s�a�l pay�hem in the rnanner pravided in Sect�on 3. Borrower sha�l prampt�y d�scharge any lien wh�ch has przor��r ov�r th�s Secur��nstrum�nt unless Borrawer: {a}agree��n writin�to the paymen�of the ob��gatzon�ecur�d�by the�ien in a manner acceptab�e �a Lender, bu�only sa�ong as Borrawer is perfarm�ing such agre�men�; �b�cantests�he lien zn good fa�th by, or defends aga�ns�enfor�ement of the l��n in, Iegal praceedings wh�ch in Lender's opini�n operat��a pre�ent the enforc�ment of�he��en wh�le those praceedings are pending, but only until such proc�edzngs ar� con��uded; ar�c} secures frorn the h��d�r�f the l�en an agr�ement satisfa�tory to Lender subordina�ing the �ien to this Securit�r�nstrumen�. �f Lender d�terrnines�ha�any part of�he Proper��s subject to a�i�n vvh�ch can atta�n pri�rity aver th�s Secur�ty�ns�rument, Lender ma�giv�Borr�wer a nat�c�ider�t�fying�he��en. '��hxn �.�d�.y�af th�dat�on vvh�ch th��not�c��iv�n, Borr�w�r�h�� i�fy th�l��n ar t�.��on�or mor� flf the actions set for�h abo�e in this Secti�n 4. Lender m.ay require Borrawer t�pay a ane--time�harge for a reai estate tax�eri�cation andlar reporting s�r�ice u��d�y Lender in connection with�his L.�an. 5. Prvper#y Insuranc�. Barr�wer sha�l k��p�h��mpra�ern�nts n�vv ex�sting or herea�ter erected on�he Proper��ir�sured against loss by fire, hazards inc�uded with�n the term "extended coverage," and an�oth�r hazards�n��uding, but n�t l�mi�ed�a, ear�hquakes and floods, f�r which Lender requires�nsurance. This �nsurance sha��be main�ained in th�am4unts �including deductible Ievels} a��d fnr the per�ads that Lende� requ�res. Wha�Lender r�quires pu�suant to the preceding sentences can chan�e dur�ng the term of the Loan. The�nsuran�e carrier prav�d�ng th�insu�a��ce shal��e chosen b� Barravver subject ta Lender's r�ght to d�sappr�ve Borr�w�r's choi�ey which right sha�l not�e�xercxsed unreas�nab�y. Lender may require Borrower��pay, �n c�nnection w�th th��L�an, either: �a�a ane-time charge for.��.�one determinat��n, c�rtif�cati�n and trackzng�ervxc�s; ar�b�a o�e-time charge for flood�an�d�term�nat��n and certif�cation �er�ice�anri subsequen�charges each time remapp�ngs or��ma��ar�hanges occur vvhich reasonably rn�ght af�ect such determinat�on ar cer�ification. Barrawer sha�l also be resp�nsib�e f�r the payment of any f�es imposed b��he Fe��ral Emergenc� Management Agency in�annection`►vi�h the review of any flofl�.zon� determinat�fln resu�ting from an objection�y B�rr�wer. If Borro�er fa�ls�o maznta�n any�f the co�erages described ah��e, Lender xnay abtain insurance co�rera�e, at Lender's option and Borrower's expense. Lender xs und�r nfl o��iga�ion ta purchase any par�icular type�r arnount of caverag�. Therefor�, su�h coverag�sha�� caver Lender;but might or rnight n�t pro�ect Barr�wer, Bo�rrfl�er's equity in the Property, nr�he can�ents af the Proper�y, against an�risk,hazard or liabi�it�and mi.ght pravzde greater or lesser coverage than was previously in effect. Barrower ackr�.avv�ec�ges�hat th��ast of�he�nsurance coverag�sa ob�ained might signi�cantly exce�d the cost�f�nsurance that Barra�er cauld ha�e abtained. Any am�unts d�sbursed b�r Lender under this Secti�n 5 sh�ll b�come addi��ana�debt of Barr�v�rer secured by�h�s Securzty�ns�rument, These amaun�s shall�ear�nt�rest at the l��te ra�e from�he da��of disbursement and sha��be pa�able, �v��h such in�erest, upon not�ce frorn Lender to Borro��r reques�ing paymen�. N�BRASlCA-SingEe�amily-Fannie Mael�reddie Mac UfVIFQRM 11VSTRUMENT Farrr►3Q28 11D� VMP� VMP6th1��{7302) Wolters Kluwer Financial Ser�ices Fage 5 vf 7 7