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��15�5335 required b�RESPA, and Borrower sha1�pay to Lender the amount necessary�a make up the deficiency in aecordance wi�h RESPA, but in n�more than �2 monthl�pa�men�s. Upon paymen�in full of aIl sums se�ured by this Security Instrument, Lender sha�l promptly r�fumd�fl Borrower ar�y Funds held by Lender. 4. �harges, L�ens. Barrav�er sha�l pa�r aI�taxes, assessmen�s, charg�s, fines, and impositions a�tribu�able ta �he Proper�.y v�hich can at�ain pri�rit�r over this Securit�Instrumen�, leasehold paymen�s�r ground rents on the Praper�y, if an�, and Comrnun�ty Associa��on Dues, Fees, and A�sessm�nts, if any. To�he�xten��hat �hese xt�ms are Escrow�tems, Barro��r shal�pay them.in the manner pro�ided in Section 3. Borrower�hal�pramp�ly�lischarg�any l��n which has pr�arity over th€s Security�nstrumen�unless Borrower: �a} agre�s in wri�ing ta the payrnent a.0�h�ab��gation secured by the lien in a manner a��:eptabl� ta Lender, but anly so long as Borrow�r is performin�such agreem�nt; �b}contests�he lren in gaod faith by, ar defends against�nforcenlen�of the�ien in, �ega�prfl�eedings which in Lender's�p�n�c�n�pera�e ta prev�n� �he enforcement af�he lien vvhile those praceedings are pending, but anly until such pr�ceedings are concluded; or�c}secures from�he ha�der of the lien an agreement�a��ract�ry to Lender subordinating the iien ta�his Se�ur�ty�nstrumen�. �f Lender de�ermin�s�hat any par�of th�Property i� subj ect ta a lien v�rh�ch can attain priority over th�s Security�nstrun�ent, Lender may give Borro�ver a natx�e�den�ifying the lien. Within ��iays of�he dat�on which that na�ice xs given, Borrower shall sa�isfy th�l�en or take one or more �f the actio�s set far�h above xn�his Sectio»4. Lender may requ�re B�rrower to pay a one��ime charge far a rea��sta��tax��ri�cat�an andlor reparting s�r�ice us�d�y L�nder in cannec�ion v�ith th�s L�ar�. 5. Prape�rty �nsurance. B�rro�rer sha11 ke�p t1�e impro�ren�ents nn�v exis�ing or herearter erected on the Property insured agains��oss by fire, hazards in�luded wi�hin the�erm "extended caverage," and any other hazards including,�ut not�imi�ed�o, earthquakes and�.oads, for which Lender requires insurance. This in�uranc� sha�l be main�aincd in�hc amount� �inc�udzng dcductiblc�e�cl�}and fflr the periads that Lender requir�s. 'L�Vha�Lender requires pursua.��to the preceding sent�n��s can�hange during�he term af�he Loan. The insuran�e carrier providin�the insurance sha�l be chosen by B�rrawer sub��ct to Lender's right ta disappro�e Borrov�rer's cho�ce, which r�ght shal�n�t be ex�rGi�ed unreasanably. Lender may require Borrower to pay, in connection wi�h this Loan, e�ther; �a�a or��-time charge for�laad 2�ne de�erminatifln, cer�ificat�an and tracking services; or(b}a a�xe--t�me charge far f�aad;cone d�termination and cert�fication services and subsequent char�es�ach tim�remappings or similar changes occur which reasnnably might aff��s�ch d�t��min�tiQn or ce�if��a�io�. B�rr�v��r�na��a�so be re�pan�ib�� f�r the p��rnent c�f a�n�f��s impased b�r the Fed�ral Emer�ency Ma.nag�ment Agen�y ir�connec�ion wi�h�he re�iew of an�flood zone determina��on resul�ing from an abj ec�io��.by Borr�v��r. �f B�rrawer fai�s to main�ain any of the ca�erages dcscri�et�abov�, Lender may�btain ir�sura�ce co�erage, at Lender's ap�ion and Sarr��v�r's expetxse. Lender is under no o�l�ga��on to purchase an�par�xcu�ar type or amount of coverage. Therefo�e, such coverage shall cov�r Lender,but might ar might not pro�ect Borravver, B�rr��v�r's equit�r�n�he Property, or the�on�ents of the Prop�rty, agains�an�r r�sk,ha2ard or liabil�t�and might provitle gr�ater ar�ess�r�o�erage tha.Ya was pre�iously in effect. Borrovver ackno��ledges tha��he cast of th�insurance ca��rage s�abta�n�d m�ght significant��exceed�he cost of insurance�hat Borro�er cou�d have n�tain�d. Any am�unts d�s�aursed b�Lender under this S�cti�n 5 sha�i b�come additional debt af Borr�w�r seCured by th�s Security Instrument. These amaun�s shall bear interest a�the No�e rate frorn the date of disbursement and shall be payable, with such�n�erest, upon notice frorn L�nder ta Barr�wer requ�sting paymen�. N�BFtASKA-Singte Fami(y-Fanr�ie MaelFredc�ie Mac 1JNIFQRM INSTRUM�NT Form 3a28�IQ"� VMP U VNiP6{N��f13�2) Walters IClt�wer Financia!Ser�iGes Page 6 0#'!7