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2� 1 ��4733 requxr�d b� RESPA, and Barrower shal� pay ta Lender�h�amount necessary to make up t�.e defzcxency xn accordance wz�h RESPA, bu��n no more than �2 manth�y paymen�s. Upon payment �n full af a�� sums secured by this Secur�ty �nstru�ne�at, Lender sha��promptly refund to Borrav�er any Funds held by L�nder. 4. Charges; Liens. Borr�wer sha��pay a��taxes, ass�ssments, charges, f�nes, and impas��ons a�trxbutab��to the Praperty wh�ch car�attain pr�or�ty o��r this Secur�ty �nstrumen�, �easehald pa�men�s or gr�und r�n�s on the Propert�, if any, and�ommun�ty A�s��a�ion Dues, Fe�s, and Assessments, if any. '�'�th�e�tent that �hes�items ar�Escraw �tems, Borr�w�r sha11 pay th�rxz zn�he manner pravided in S�ction 3. Bflrrow�r sha�l prampt�y d�s�harge an��en which has priority o�rer this��curi��ns�rum�nt uniess Borrow�r; �a} agrees in wr�t�ng �o th�payment�f the�b�igation secured by the Iien�n a manx�er acc�p�abl� �� L�nder, but�nly so lang as Borr�wer�s performing such agr��rnent; ��}c�n�ests the�ien in good faith by, ar d�fends against�nforcem�n��f�he�ien in, X�ga�proceedings which in Lender's�pxn��n operate to pr��nt the enforc�men�af th��ien whi�e th�se proceed�ngs are p�nding, but an�y unti� such pr��eedxngs ar� conc�uded; or�c} secures from�he holder of th�lien an agreement satisfactory to Lender su��rd�nat�ng th� �ien t�th�s Secur��y �nstrument. �f Lend�r��ermines tha�any par�of the Proper�y �s sub�e��to a�ien which can atta�n priority aver this Security�nstrum�nt, Lender may give Borr�wer a n�ti��id�ntifying the�ien. Within ��days af the date�n which that n�tic��s given, Bflrrower sha�� sa�isf��he�i�n or take one or mare �f�he ac��ons set for�h a�ave in t�iis Se�t�Qn 4. Len�er ma�r requir�Barr�w�r to pay a one-t�me charge far a real estate tax ver�fi�at��n andlor rep�r��ng �ervxce used hy Lender in conneCtion wi�h�his Loan. 5. Prvperty �nsu�ranGe. Borrower sha11 keep the impro�emen�s novv existing�r hereafter er�cted on��e Property xnsured agazns�lo�s by �re, hazards included with�n �he term "extended co��rage," and any��her hazards inc�uding, but not�imited�v, ear�hquakes and �loads, for wh�ch L�nder requires insurance. This insuranc�shall�e main�ained �n�h�am�unts �inc�uding deductib�e le�e�s� and far�he per�ods tha�L�nder r��uir��. �h�t L�n��r r��ir�s��rs��an�to �he�recedin� senten�e� can chan�e dur�n��he�erm of the Loan. The insuranc�carrier providing�h��nsurance sha�� be chosen b� Borrower subject to Lender's right�o disappro�re Borrower's choice, which rzgh�shall r�at be exerc�sed unreasonably. Lender ma� require Borr�v�er�o pay, in connec�ion v�i�h this Laan, e�ther: �a} a�ne-��me charge f�r f�oad zone determination, Cer�ificati�n and tracking services; or�b} a one-t�me charge for flood zone determ�na��on and Cer�i��a�i�n serv�ces and subsequent charges each�im�remapg�ngs or similar changes occur wh�ch reasonab�y migh� aff�ct such d�term7ination or cert��a�ion. B�rrower shall a�so be re�ponsible for�he payment of any fees imposed by the Federa� Em�rgen�� Management Agenc� in connecti�n with th�revie�v of any flood zane det�rmination resulting from an ob�ection by Borrow�r. If B�rrow�r fa��s t�main�ain any of the co�erages descr�bed abo�e, Lender may obta�n �nsurance�o�erage, at Lender's opt�on and B�rrow�r's e�pens�. Lender is under no obiiga�ion to purchase an�partzcu�ar�ype or amaunt of co�erag�. Ther�fore, su�h coverage shal� cover Lender, �ut mi�ht ar might not pro�ect Borrower, Borr�wer's equity �n the Prop�rty, or th�cont�n�s of the Pr�perty, against an� risk, hazard or�iabili��ax�d nzight provide gr�at�r ar�esser c�v�rage than was pre�iously �n effe�t. Barrower acknov��edges �ha�t��cost of�he insurance co�erage so o��ained migh� signif��an��y e�.ce�d �h�cost nf insuran�e�ha�Barr�w�r could hav�obtazned. Any amounts disbursed b� Lender under�his Sectxon 5 shaX� b�came add�t��na� debt�f Barro�ver secured b�th�s Security instrument. These amounts sha�� bear xnteres�a� �he Note ra��from�h� date�f d�sbursemen�and sha��b�payabl�, with such �nterest, upon nnt�ce from Lender�Q Barrou��r requ�sting paymen�. N�BRASICA-5ing�e Family-�ar�nie MaelFreddie Mac UNIFDRM iNSTRUMENT For�3Q�$1141 VMP� VMPfitN�)�13Q2� Wolters Kluwer Financiat Ser�ices Page 6 of 17