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2� 1 ��8�71 required�y RESPA, and Barrower shal�pay�o L�nder the amoun.�n�cessary ��make up the d��czency in a��ordance with RESPA, but in no more�han �2 month�y payments. Upon payment in full �f al� �ums se�ured by�h�s Secur�ty�nstrument, Lender sha��promp�ly refund to Barrower any Funds he�d by Lender. 4. �harges; Liens. Borro�ver shal�pay ail taxes, assessments, �harges, f�nes, and impositions at�ributabie to �he Proper�y which ca�n.atta�n priari�y over�his�ecuri�y �nstrumen�, leaseha�d payments or�round r�n�s an the Praper��, �f an�, and Cammuni�y Assoc�a�xon Dues, Fees, and A�sessmen�s, �f an�. To the e�tent tha� th�se z�ems are Escrow Items, Borrower sha��pay them in the manner prov�ded�n Sect�on 3. Borrovver shal�pr�mpt�y discharge any lien which has pr��r�ty o�er th�s Security Instrument un�es� Borrow�r: �a} agr�es �n wri�ing to the payment of the ob��gat�an s��ured by the l�en in a manner acc�ptable t� L��ader, but fln�y so��ng as Borrow�r is performing such agreement; �b} cantests the lien in good faith�y, or defends agains�enforcement of the�ien in, Iega� proceedings vvhich in Len�er's�pinion opera�e�o preven� th��nforcement of�he�zen whil�thos�proceedings ar�pending, but on�y untii such proceedings ar� conc�uded; or tc} secures from the ho�der of the�ien an agreemen��atisfactory�� Lender subordinating�he �ien�a this Se�urity Instrument. �f Lender de�erm�nes�hat any part of�h�Praperty �s subject�o a�ien which can atta�n pr�ority oWer this Securz�y �nstrum�n�, Lender may giwe Bnrrower a not��e�den��fy�ng�h��ien, �vV��zi�x ��lays uf�h��at�u��w��a tlaa��ac�t�� v��., I3�rr��r�r��a.�.� �at��f� t��1��.ur tak�u��ur��u�� af the act�ans set f�r�h abo�e �n th�s Sect�on 4. Lender ma�requ�re Borrow�r to pay a one�t�me charge for a rea� es�a�e tax veri�cati�n andl�r repar�zng servic�used b� Lender in conne��ion�i�h�his Loan. 5. Property Insurance. Barrawer shatl keep the�m�pro�rem�n�s nnw ex�stzng Qr hereaft�r erec�ed an the Prop�rty znsured agains�loss by fir�, hazards inc�uded w�th�n�he term "ext�nded co��rage," and an�o�her hazards includxng, �ut not 1�mited�a, earthquak�s a�d f�aods, for wh�ch Lender requires insurance. Th�s �nsuranc��hall be maintained in the amoun�s �including deductible 1e�e1s} and for the per�ods �hat Lender r�qu�res. What Lender requires pursuant to the prec�ding sentences can change during the�erm�f the L�an. The insurance carr�er pro�id�ng �he�nsurance sha��be chosen�y Borrower sub�e��ta Lender's r�gh��o dxsappr�ve Borrower's chozce, v�h�ch right sha��na�be exerczsed unreasonab�y. Lend�r may r�qu�re B�rr�wer to pay, in cannection with�h�s Loan, e�the�: �a} a an�-t�me�harge for fl�od zon�deter�mination, c�rtifica��on and trac��ng services; �r�b}a one-�im��harge for flo�d zone d�term�.na�i�n and cer��cation s�rvices and su�sequent charges each��me remappings or similar changes occur wh�ch r�asanably might affec�such deternunation ar cer�zf�cat��n. Borrower sha�� aiso be r�spons�b��for�he payment af any fees impos�d by the F�deral Emergency Management Agency �n connect�on�vith�he review of any flaad zone determina�z�n resu�ting fr�m an abje��ion by Borrower. �f Barrower fai��o ma�n�azn any of the��erag�s described abo�e, Lender may�btain insuran�e coverage, at L�nder's aption and Borr�wer's�xpens�. Lend�r is und�r no�bli�a��on to purchase any part�cu�ar type or arnnunt of cov�rage. Th�refar�, such��verage sha�� over L�nder, but maight or nugh�not protect Borr��er, Sorr�wer's equity in the Proper�y, flr�he c�n��nts af�h�Praper�y, aga�nst any r�sk, hazard or�iability and m�ght prav�de gr�ater or iesser caverage�han was pr�vi�us�y �n effect. Borro�er acknowledges tha��he cos� af th�znsurance cnverag�so abtained rnight signi�cantly e�c��d�he cost af in�uran�e�hat Borrow�r cauld ha�e obta�ned. Any amounts disbursed by L�nder u�der�h�s Sec��an 5 shal�b�come addi�ional deb�of Borr�wer secured by this Security Instrum�n�. These amounts sha��bear interest at�h�Note rat� from�he date of dzsbursemen�and sha11 be payable, w�th such in�erest, upon not�ce from Lender to Borrawer request�ng paymen�. NEBRA5ICA-5ingle Family-Fannie Ma�IFre�die Mac UNIFaRM lNSTRIJM�NT F�rrr�3028 11�1 VMP[� VMPfifNE}��3Q�} Wvlters K luwer Financial 5er�ices Page 6 of 17