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��15�54�� requ��-ed by R�SPA, and Borrower sha�I pay�a Lender�he arnoun�necessary to mak�up the deficiency in a��arda.nce with RESPA, but in na more than �2 monthly pa�ments. Up�n pa�rment�n fu��af a��sums s�cu�red b� th�s S�cu�zty �nstrurnen�, Lender shall p�a�r�ptly refund t� �3o�rower ar�y Funds he�d by L�nd�r. 4. Charges; Liens. Barrower sha��pay a1�taxes, as,sessments, charges, fin�s, and impositions attributab�e to t�e Property which can attain priarity aver th�s Security Instrument, �easeh�Id pa�ments or graund rents an the Property, �f an�, and Comrnunity�ssocia�ian Dues, Fe�s, and Assessmen�s, if any. To t�e exten�that these items are Es�r�w�tem�, Bor�ower shal�pay them in the mann�r pro��ded zn Sec��on 3. Borrawer shal�pramptly discharge any lien which has priorit�o�er this 5ecurity Inst�u.ment unl�ss Borro�ver: �a}agrees in v�ri�ing�o the paymen�af�he�bl�gation se�;ured b�the lien in a manner ac�eptable to Lend�r, bu��nly so tang as Borrower is performing�uch agreement; �b}�on�ests th��ien�n goad fazth by, ar defends against enf�rcemen�of the lien�n, le�al prace�dings which in Lender's opinion nperat�to pr��en� the enforcemen�of�he��en wh�Ie�hos�pr�c��dings are pend�ng, but only until su�h proce�dzngs are canclud�d; or�c}secur�s from the holder of the l��n an agr��m�nt sat�sfa�;�ory to Lender subard�na��ng the ��en�a this Se�uri�y Ins�rumen�. If Len��r determ�nes�hat any part af the Pr�per�y��subject ta a��en wh�ch can attain pr�arity o�ver thxs Secur��y�ns�rumen�, Lender may g�ve Borro�re�r a no��e iden��fying�he lien. �Vith�n �Q days�f�he dat�on whi�h that nati�e zs g�v�n, Borrawer shail satisfy the�ien ar take one or more of�he act�ons s��f�rth abo��in this Sect�on�. Lender may r�quire Borrawer ta pay a one-time charge for a rea�estat�tax v�rxf�ca�ion andlor repor��n� ser�ice u�ed by Lender in canne�t�on with this L�an. 5. Proper�y Insuran��. Barrower sha�� k��p the zmprovem�nts n�w exist�ng or her�aft�r ere�ted on the Proper��xn�ured aga�nst�ass by fire, ha.�ards�ncluded with�n�h�term "extended cov�rage," and any�ther hazards �n�lud�ng, but n�t Iimi��d to, earthquak�s and floods, for whi�h Lender r�qu�res insurance. Th�s �nsu�rance shall be maintaine�.�n the amounts�in�luding deductib�e�e�e�s} and far�he per��ds that Lend�� requires. What Lender requ�res pursuant t�the p�ec�d�ng sen�ences�an change dur�ng t�ae term of the Loan. Th�in�u�ance carr�er prov�d�ng the insurance sha�l be cho��n by Borrow�r subject�o Lender's right to d��apprQwe BorrQwer'�cho�ce, which righ�sha�i not be exercised unreasonabl�. Lender may require Btirrower to pay, in canncction wi�h this Loan, �ither: �a}a one�time charge for fl�od�one deterrn�natian, certificat�an and tracking services; ar�b}a one�time char�e far f�ood zone de�ermination and cer��catian services and subs�quent charg�s each time remappings ar�irniiar changes occur wh�ch reasonab�y m�ght affect such de�erzn�nation or cer�z��ca��on. Borrower sha��al�o be respons�b�e far�he payment of an�r fees imposed by the Fede�ral Ernergenc� Managemen�Agency�n conne�tion with the rev iew of any flood z�ne determ�na�ion resulting fram an objection�y SarrQwer. �f Borrower fails to ma�ntain any of the covera�es desc:ribe�i abov�, Lender may c�btain�nsurar��e coverag�, a�Lend�r's option and Borrower's expense. L�nder is under n�ab�zgat�an to puz�chase any part�cu�ar type�r amaUnt of ca�erage. Theref�re, �uch�overage shall�over L�nder, but m�ght or might not pro�ect Borrawer, Borrower's equ�ty�n�he P�oper�y, �r the�flntents af th�Property, against any�isk,hazard ar liabx�i�y and migh�pravide grea�er or lesser G��era�e than was pre�iously �n effect. Borrourer acknow�edge��hat�h�c�st of the insura�c�coverage so ob�a�ned z-n�ght signif�cant�y ex�eed the Gost of insuranc��hat Borrower�ou�d ha�e abta�n�d. Any amounts d�sbursed b�Lender under th�s Sec�ion 5 sha�l be�om�additianai debt of Borr�we�secured�y thi�Security Instrum�n�. These amounts shall bear interest at the No�e rate fr�m the date of disbursem�nt and sha�I be payable, �rith such in�erest, upan natice fr�m L�nder t�B�rrawer reques�ing payment, NEg�tASKA-Si�sgle Far�tily-Fanni�MasJFreddie Mac tJNEF�RM lNSTRLiMENT �orm 3Q�8 11D1 VMP� VMP6�NEf�i 3Q2� Wal[ers Kluwer Finar�cial Ser�i�es Page B c�f'1 7