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2� 15�81 �9 required by RESPA, and Borrower sha��pay �a Lender�he amount necessary ta make up the de�c�ency �n accardance�v�th RESPA, but in no more than �2 manthly pa�ments. [Jpan�ayment�n full of all sums secured b�r th�s Secur�ty �nstrument, Lender shall pr�xnptly refund�� B�rrflv�er an� Funds h�ld�y Lender. 4. Charges; Liens. Borrou�er sha��pa� al� �a�es, assessm�nts, charges, fines, and �mpositions at�ribu�abie�� �he Propert�wh�ch can atta�n priar��y over�h�s Securit� �nstrument, leasehold payments ar ground rents on the Property, if any, and ��mmun�ty Assoc�at�on Dues, Fees, and Assessmen�s, if ar�y. To the extent�ha� these items are Escr�w �t�ms, Borrav�er sha��pay �hem in the manner pr�vided in Sect�on 3. Borr�wer shal�promptly discharge any Iien which has pr�or�ty nver this Securx�y�n�trument unl�ss B�rr��ver: (a� agrees �n writing t�the payment of th�ab��gatian s�cured by the��en in a manr��r acC�ptable �o Lend�r, but�n�y sa�ong as Barrov�er is perfarming su�h agr�emen�; �b} cantests�h�lien�n��od faith b�, or defen�s again�t�nforcemen�af the�ien in, �ega�praceed�ngs wh�ch �n Lend�r's op�n�on ap�ra�e�a prev�nt the enforcem��t of the��en whi�e thos�proce�dings are pend�ng, bu�on�y untz� such proceed�ngs are conc�uded; or�c} �ecures from�he holder�f th��ier�an agreement sat�sfa�tor�to Lender subardznat�ng the lien ta�his�ecuri�� Instrument. �f Lender determines tha�any part af the Proper�y is subject ta a lien which can attain pr�or�ty a�er this Secur�t�r�nstrument, Lender may giv�Borra�ver a natice ident�fying the li�n. �i�1i��i �D i1�.yr�s�f tl��.t��a w�a��,�1��at��t�+�� i�giv�n, I3�rravv�r��aa�� ,�ati�� li�r�or taA.c ar��r��Z�r� of the ac�ions s�t forrh ab�ve in thzs Sec�xon 4. L�nd�r may requ�re Borrower to pay a ane-�ime charge f�r a real�s�ate tax verzfica��n andlor rep�r�xng s�rv�ce us�d by L�nder�n c�nnec�ion�ith this Loan. 5. Property lnsuranc�. Borr�w�r shall��p�he impro�ements n�� exist�ng ar h�r�after erected on the � Prop�r�y �nsured agains�loss b�r�re, hazards��cluded wzthin�he term "ex�ended coverage," and any�th�r hazards inc�uding, but na��ixni�ed t�, ear�hqua�es an�. flaods, far wh�ch Lend�r requires �ns�ran�e. Th�s insurar�ce sha�� be main�ained �n��e a�mounts ��n��ud�ng d�du�tib�e l�vels} and for�he periads�hat Lender r�quxres. �Vhat Lender requires pursuan��o the pr��d�ng sen�er��s can chang�during the�erm�f�he Laan. The in�urance carrier providing th�insurance shal�be chosen��Borrower subj ect tn L�rider's rzght t� d�sappro�re B�rr�vv�r's cho�ce, which righ�shall not be exere�sed unreasonab�y. Lender may require Borrovver�o pay, �n c�nn�ct�an�v�th this Loan, e�ther: �a} a one-time charge f�r f��od zan�determinati�n, certifi�atian and tracking ser��ces; or�b} a one-time charge far flood zone d�t�rmination and certi�ca�ion servic�s and subsequent charges�ach t�nn.e remapp�ngs or similar changes occur which reasonab�y mi�h� affect such determina��on or�er��fica�i�n. Borrow�r sha�I a�so be responsibl�for the pa�ment of any f�es imposed by the Federa� �m�r�ency Manag�ment Agency �n cnnnec�ion wi�h the revzew of any�1ood zan� determi.na�ion resu��ing from an o�j e��ion by Borro�ver. �f Borrower fa�ls to mainta�n any of the coverages described above, Lender may obtain insurance cnverag�, at Lender's opt�on and Borro�ver's expense. Lender is under no ob�igation to purchase any par�icu�ar type or amoun�af cav�rage. Th�refore, such coverage shall cover Lender, hut might ar might nat pratec�Borr�wer, Borrawer's equ��y �n the Praperty, or the contents of the Proper�y, against any risk, hazard or�iability and might provide greater or�ess�r c�verage than was pre�iously in effect. Borrower ackn�wledges that the cast of the insurance caverage sfl nb�ained rnuight s��nz�cant�y exceed the c�st of insurance that Borrower cou�d ha�e nb�ained. Any amoun�s d�sbursed by L�nder under th�s Section 5 sha11 be��me addi�iona� debt of Bflrrow�r secured by th�s S�cur�ty Instrument. Thes�amounts shall bear interest at the Note rate from the date of disbursemen�and sha��be payabl�, w�th su�h �nterest, upon notice from Lender��Borr�wer requesting pa�ment. N�BFtASKA-Singte Fami�y-Fanni�Ma�IFrecldie Mac�NLFaRM INSTRUMENT Fnrm 3028 1101 VMP[] VMPfi�N�}t1302y Wotters Kluwer Financia[5er�iGeS Page fi�f 17