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2� 1 ��25�3 <br /> requ�red by RESPA, an�.B�rr�w�r shal�pa�r to Lender the amount necessary to m.a.�e up�h�d�f�c�e���r in <br /> accordance wi�h RESPA, but in na more than �2 man�h�y pa�ments. <br /> Upan pa�ment �n full of al� sums secured by this Securit� �ns�rument, Lender shal�proxnp�ly refund to <br /> Borraw�r any Funds held by Lender. <br /> 4. Charges; Liens. Borrower sha��pay a�l taxes, as��ssments, charges, f�n��, an�i impos�t�ons attributab�e�a <br /> the Property which can a�ta�n pr�orzty�ver�h�s Securit� �nstrument, leasehoid payments ar ground r�n�s�n <br /> �he Prflp�rty, if any, and�ommun�ty Assoc�ation Dues, Fees, and Ass�ssments, if any. Ta th�e���nt�ha� <br /> �hese items are Escrow I�ems, Bo�rawer sha��pa�r th�m�n the mar�er prav�ded �n Sectzon 3. <br /> B�rrower sha��promp�ly dischar�e a�a.� ��en whzch has pr�ori�y over�his Secur��� �nstrument un�ess <br /> Borrower. �a� agre�s �n�rzting to �he payment of the ob�xgat�on secured b�r�he�zen �n a n�.anner accep�able <br /> to Lender, �ut anl�so �ang as B�rrow�r is perform��.g such agreement; ��} contests the lzen�n good faYth by, <br /> �r defends against enforcem�n��f the��en �n, le�ai proce�dings whzch�n Lender'� op�nion operate t�pr��rent <br /> �he enforcemen�of the lien whi��thos�prac��d�ngs are pend�ng, but only unt�� such proc�edzng� are <br /> canc�uded; ar�c} secures fram the ho�d�r�f the�xen an agreem�nt satisfactnry tn Lend�r subordinating the <br /> lien to th�s Security�nstrument. If Lender de�erxnine�tha�any par�of the Praper�y �s sub�ect t� a�ien wh�ch <br /> can a��ain przflr���r over this Security Instrument, Lender nzay gx�re Borrower a natice�dentifying�he�ien. <br /> W��l���i ��i�a.y 5�.0 t�a��.�tc u���������t1�a���ut�L�is g�v�za, B�rrc�w�r�la�.�l �a�isfy tla�I���a�r���u���ur���u�c <br /> af the ac�i�ns s�t for�h a�a�e zn this Sec�ion 4, <br /> Lender m.ay require Barrower ta pay a one-��m.e charge for a real estat�tax v�rxficat�on andlor report�ng <br /> s�rWice used by Lender in connec�ion with this L�an. <br /> 5, Property fnsurance. B�rrovver�hal� keep the in�.pro�ements no�ex�s��ng or hereaft�r er�cted on the <br /> Proper��insured again�t l�ss by�re, hazards in��ude�with�n the term "ext�nded caverage," an�any�ther <br /> hazards including, but na�limited t�, ear�hquak�s ar�d floads, far which Lender requires insurat�ce, Th�s <br /> znsuranc�sha11 be maintained in�he amounts �znc�udzng d�ducti�ale levels} and f�r the per��ds t�.at Lende� <br /> requires. �Vha�Lender r�quires pursuant to �he preced�ng�en�ences can�hange during the terxn�f the Laan. <br /> The znsurance carrz�r prov�ding the insurance shal�be ch�sen by Barr�wer subject to Lender's righ�ta <br /> dxsappr��e Borrawer's cho�ce, which righ� shall n�t be exercised unreasonably. Lender may require <br /> B�rrower�a pa�, in c�nnect�an vv�th�h�s Loan, either: �a} a one-�ime charg�for fl��d zane determ�nat�on, <br /> cer�ifica���n and�racking ser�ices; ar�b} a one-��m�charge for flood zone determinatz�n and Cer��f�catian <br /> services and,�ubse�u�n�charges ea�h t�me remappings or s�milar chan�es occur v�h�ch reasonably might <br /> affect such de�erm�na�ion nr cer��f�cation. Borrower shall a�sn be respons�ble for th�paym�nt of any fe�s <br /> imposed�y the Federa� Em�ergenc�r Manag�m�n�Agency in connection w�th the r��iew af ar�y flfl�d zone <br /> d��erm�nation resul�ing from an obj�cti�n by B�rrav�er. <br /> �f Borrower fa��s��ma�ntain any�f�he coverages descr�bed abo�e, Lender may ob�a�n�nsuranc�coverage, <br /> a�Lender's opt�an and Barrnw�r's expens�. Le�der�s under no ob�iga��on to purchase ax�y par�icular�ype or <br /> amount�f coverage. Therefnre, su�h���erage shal� caver Lender, bu�m�ght or m�igh�not pro�ec�Borr�wer, <br /> Borrower's equity in th�Prop�r��, �r the��n�ents flf the Pr�perty, aga��z��any risk, hazard�r liab����y and <br /> might provid�grea�er or lesser coverage than was pr��iously in effect. Borr�wer ackn�wle�.ges�hat the cost <br /> of�he�nsurance coverag��o ob�ain�d m��.gh�szgnificantly e�ce�d�he c�s�of�nsurance that Bnrrflwer cauld <br /> have a��a�ned. Any am�unts disbursed by Lender under this Se�t�on S sha��bec�m.�add�t�ana� debt of <br /> B�rro��r secured by this S�curity Instrumen�. Thes�amoun�s shall bear�nterest at�he Note ra�e from th� <br /> date of d�s�ursement and sha1l be paya�le, w�th such �n��rest, upan na����from L�nder to Borrower <br /> reques��ng payment. <br /> N�BRASICA-Single Famiiy-�annie MaelFreddie Mac UNIF�RM INSTRUMENT Fvrm 3��$11�� <br /> VMP� VMP6�N�1��3��] <br /> Wvlters tCluwer Finan�ial 5er�ices Page fi af 17 <br />