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2� 15�78�2 <br /> required by RESPA, and Borrower shall pay ta Lend�r�he amaunt necessary to make up th�de�iciency zn <br /> accordanc�v�r�th RESPA, but in na mare�han �2 manthly paymen�s. <br /> Upfln paym�n� �n fu�l nf all surns secured by�h�s Secur�ty �nstrument, Lender shall pramptly refund�a <br /> Bnrrflwer any Funds he�d�y L�nder. <br /> 4. Charges; Liens. Borr�wer sha��pay all �axes, assessmen�s, charges, f�n�s, and �mpos���ons a�tributabl�to <br /> th�Property which can at�ain priari�y over this Security �nstrumen�, ��asehoid payrnen�s ar graund rents on <br /> the Proper�y, if any, and Commun�ty AssoCiation Dues, Fees, and Assessm.�nt�, �f any. Ta the�x��nt that <br /> th�s��t�ms are Escro�v Items, Borr�wer sha�� pay them in the manner provided in Sectian 3. <br /> B�rr�wer sha�� prflmp�ly discharge any lien which has pr�orzty o�er this Securi�y �ns�rument unless <br /> Borrtiwer: �a} agre�s �n wr�ting to the payment of the ob�igatz�n se�ured by the�ien �n a mann�r accep�ab�� <br /> to Ler�der, bu�only sa�ang as Borr�wer is performing such agreemen�; ��} contests �he lien in good fa�th by, <br /> ar defends aga�ns�enforcement af the ��en�n, le�al proceedings which in Lender'� apini�n operate to pre�en� <br /> �he enfor�ement of�h���en while th�se proceedings ar�pend�ng, bu��nly until such pr�c�ed�ngs are <br /> c�ncluded; ar�c} secures fr�m�he holder of th�lien an agreement satisfactory�o L�nder subordinating the <br /> lien to�his Securi�y Ins�rumen�. �f L�nder d�t�rmines that any par�of�he Proper�y�s sub�ect to a��en which <br /> can attain pr�orit�o�er this Security �nstrument, Lender may g�v�Barrower a notice identify�ng�he��en. <br /> W��h�n ��days of the dat�on wh�ch that nfltice is g��en, B�rrawer sha�l satisf��he �ien ar�ak�one ar rnore <br /> of�he ac��ons s��for�h abo�� in this Sectian 4. <br /> Lender may r�quire Barrav5rer�o pay a one--time G�arge for a real estate ta��eri�ca��on andlar repor�ing <br /> service used by Lender in connect�on w�th th�� Laan. <br /> 5. Prvpe�ty tnsurance. Borr�wer shal� keep �he�mpro�ements now exist�ng or hereafter erected�n�he <br /> Proper�y insured against loss by fire, hazards �nc�uded�vith�n th�term "e�tended coverage," and any o�her <br /> hazards including, but not��m�ted to, earthquakes and f�oods, for which Lender requires insuran�e. This <br /> insurance shall be maintain��. in th�amoun�s �in�luding deduc��b�e�evels} and for the per�ods that L�nder <br /> requires. Wha�Lender requires pursuant ta the preceding ��nt�nc�s can change during the term of the Loan. <br /> The insurance carrier pro�iding the insuranc�shal�be chasen by Borrower subjec�ta Lender's rzght t� <br /> d�sapgr�ve Borrower's Choice, which right shal�no�be e�.er��s�d unr�asonably. Lender may r�quire <br /> Borrower to pay, in conn�cti�n�vith th�s Loan, ei�her: �a} a�ne-t�m�charge for flaod z�ne det�rminatian, <br /> certification and track�ng services; or�b� a ane-�ime charge fQr flaod zane determ�na��on and cert�f�cat�on <br /> s�rvic�� and subsequent charges each time remappings ar sim�lar chang�s accur which reasonab�y m�gh� <br /> affeCt �uch determina�i�n or cert���cati�n. Barr�v�rer shall also be respons�bie for the pa�ment af any fees <br /> �mpos��i by the Fed�ral Emergency Managemen�Agency �n connection with the re�iew af an� fl�ad zone <br /> deternuna��an r�su�tzng fr�m an ob�ec��an by Barrovver. <br /> If Borrower fails to ma�ntain any of th�co�erage� descr�bed abo�e, L�nd�r n�ay o��a�n insurance coverage, <br /> at L�nder's ap�ion and Borrower's expens�. Lender is under no abligat��n ta purchase any part�cu�ar type ar <br /> amount of coverage. Therefore, such coverage shall ��v�r Lender, but migh�or migh�no�pro�ect Borro�ver, <br /> B�rrawer's equ�ty �n th�Property, or th�conten�s of the Prop�r�y, against any risk, hazard or Iiabi�i�� and <br /> m�ght provid�greater or�esser��v�rage than was pre�rious�y in�ffec�. Borr�wer acknowl�dges�hat�he cost <br /> of the insurance coverage so�b�ained migh�significan�Iy exce�d th�c�st af insurance tha�Borrower couid <br /> have ob�ained. Any amoun�s d�sburs�d by Lender under thi� Sec��an 5 sha��be�ome addi��ana� deb�of <br /> Borrawer secured by this Security �nstrunr�en�. Th�se amounts shall bear interes�at the Not�rate from the <br /> date of d�sbursement and shall�e payable, w�th such intere�t, upon n�tz�� from L�nder to Barr�wer <br /> reques��ng paymen�. <br /> N�BFtASKA-5ingfe Family-Fannie MaelFr�ddi�Mac UNIFQRM INSTRUMENT Forrn 3428 110i <br /> VMP Q VMPBtNE}t7 302} <br /> WoIters KIuwer�inancial 5er�ices Page 5 af 17 <br />