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2� 1 ����55 <br /> r�qu�red by RESPA, and Borrower sha��pay to Lender�he am�unt necessar�to make up th�def���ency in <br /> ac�ordance wi�h RESPA, but in no more than 12 manth�y payments. <br /> Upon paymen��n fu�l nf a�l sums s�cured by this Security Instrument, Lender sha��prompt��r refund ta <br /> Borrower any Funds held by L�nd�r, <br /> 4. �harges; Liens. Borrower shall pay al�ta�es, assessnzen�s, charges, fznes, and�mp�s���ons a��r�butable to <br /> the Pr�per�y wh�ch can at�ain priority over this Secur��y�nstrument, �easeh�id payments or ground rents�n <br /> the Proper�y, �f any, and C�mmunity Associati�n Dues, Fe�s, and Assessments, if any. To�h�exten�that <br /> these items are Escrow �tems, Borro�er sha�l pay them in the m.anner provided in Section 3. <br /> Borrov�er s�a.��promptly discharge any ��en which has pri�rity over�h�s �ecurity Instrument uniess <br /> Barrow�r: �a} agrees in writing to th�payrnen�of the�bligation seCured by the lien in a mar�ner acceptable <br /> ta Lender, bu�anly s�long a�Borrower is perfornning such agreemen�; �b}cantes�s �he���n in g��d faith by, <br /> or defends against enforcement af�he lien in, �ega�pr�ceed�ngs wh�ch�n L�ender's op�n�an�perate ta prevent <br /> the enf�rCemen�of the lien while�h�se proceedings are pending, but only until such praceed�ngs are <br /> con��uded; ar��} s�cures from the holder of the lien an agreemen�sa�isfac�ory to I�ender su�ordinat�ng�h� <br /> �ien�o�hzs Securzty�nstrumen�. �f Lender determines that any part af the Property is sub�ect to a lien whiCh <br /> can a�ta�n priority o�er th�s 5ecuri�y �nstrumen.t, Lender may giv�Barr�w�r a notice identifying the i�en. <br /> W�th�n 1 D days af the date an�h�ch�hat nflt�c� is g��en, Borro�ver shall satisfy the�ien nr tai���ne or mare <br /> af the actions��t f�r�h abo�e in�h�s Sec��on 4. <br /> Lender may requir�B�rrower�a pay a one�time charge fnr a rea� estate�ax verif��ation andlor rep�r��ng <br /> service used b� Lender in connection with this Loan. <br /> 5. Prvpe�ty �nsuran��. Borrow�r shal� keep th�impra�ements now exis�ing ar hereaft�r erec�ed an the <br /> Fraperty insured aga�nst�ns�by �re, ha2ards included within the��rm "ex�ended cov�rage," and an�o�h�r <br /> hazard� including, bu�not��m�.ted to, �ar�hquak�s and floods, f�r which Lend�r r�quir�s insurance. This <br /> insurance sha��be main�ained in the a.mounts ��n��uding dedu��ible ie���s} and f�r the periads�ha� Lend�r <br /> requires. What Lender requires pursuan��a the pr���d�ng sen�ences can Ghange�iuring th�t�rm af�h� L�an. <br /> The insurance carr�er providing the in�urance sha��be chos�n by Barro��er subj�ct ta Lend�r's righ�tn <br /> d�sappr�ve Borrower's cho�ce, �hich righ� shall nat be ex�rc�sed unreasonab�y. Lender may r�qu�r� <br /> B�rrov�er to pa�, �n conn�ction wi�h this Loa.r�, either: �a} a one-time charge for f��od zane de��rm.�inatian, <br /> certif�cation and tracking s�rvic�s; or�h} a one--tim�charge far f�oad 2one determina�ian and certi�cation <br /> serv�ces and su�sec�uent charges�a�h time remapping�or simiiar changes occur which reasonably might <br /> affect such d�term�nat��n or certi�iCation. Borrower shal� als�be respansible for th�payment of any fee� <br /> imposed by th�Federa� Em�rgency Mana�ement Agen�y in connection with�he r�view �f any flo�d�one <br /> determina�i�n r�sutting fram an ob�ection by Borrow�r, <br /> If Borrower fa�is t�main�ain any of the co�erages described a��ve, L�nd�r may obta�n�n�urance cnv�rage, <br /> at Lender's option and Borro�ver's expense. Lender�s under no�b�igation to purchase any par���u�ar type or <br /> amaun�of ca�erage, Therefore, su�h c�Werage sha�l cover Lender, but migh�or might no�protect Borrawer, <br /> B�rrawer's equ��y in the Proper�y, or the contents �f the Proper�y, against any risk, ha�ard ar Iiability and <br /> mzght pro��de great�r ar�esser caverage�han u�as previ�usly in effeCt. Barrow�r acknow�edges that the cast <br /> of the�nsuranc�ca�erag�so obtain�d xn.ight s�gni�ican��y�x��ed the cast�f�nsurance that B�rrower Cou1d <br /> ha�e�btained. An�am�unts disbursed by Lender under this Sec�z�n 5 sha�l�ecome addzt�ona� deb�of <br /> Borr�wer se�ured by this Se�uri�� Instrum�n�. These amoun�s sha��bear znterest at the Nflt�rate from th� <br /> dat�of d�sbursement and shal�be payable, with such interes�, upon notice fr�m Lender to Borrow�r <br /> reques��ng payment. <br /> N�BRAS�fA-Single Family-Fannie Mael�reddie Mac UNIFQRM INSTRUMENT �flrm 30�8 11fl1 <br /> VMP� VMP6tNE}�t 3027 <br /> Wafters Kluwer Financia!Ser�iees Pag�fi of 17 <br />