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2� 17�� 148 required by RESPA, and Borr��ver shal�pa��o Lender the amoun��ecessary to m.ake up the def�c�ency in acc�rdanc�with RESPA, but in n�mare than �2 monthly payment�. Upon payment in fu�� f a�� sums secured�y t�is ��ur�ty �ns�r�zrn�nt, �,�nd�r shal�pr�m�p��y refund�o Bo�r�w�r any Funds held b� Lender. 4. �harges; Liens. Borrow�r shal�pay a�i taxes, assessments, �harg�s, f�nes, and impas�tions attribu�ab�e t� the Proper�y whi�h can attain priar�ty��er th�s Security �ns�rumen�, leaseho�d pa�rn�ents ar gr�und rents an th�Property, �f any, and ��mmunity Ass�c�a��n Dues, Fees, and Assessments, �f any. Ta�he exten��hat these i�ems are Ls�ro� ��ems, Borrow�r shall pay�hem�n th�manner pro�id�d�n Sect�€�n 3. Barrower sha��pramptly discharge an�r�zen which has pr��rity o��r�h�s Security�ns�runlent un�ess Barrower: �a} agr��s in writing to th�payment�f the o��ga�ion se�urec��y th�Iien in a manner a�c�p�ab�� �a Lender, bu�oza�y so lang as Borrnw�r�s performing such agre�rn�nt; ��a}c�n�ests t.he�ien in g�od�fa�th by, or defends against enforcement af th��ien�n, legal pr�ceedings�vh�ch in Lender's opinian op�rate�o pre�ent the enf�rcem�n��f the�ien while those proceedings are pend�ng, but�n�y unti� such proceedings are concluded; �r�c} secures fram the ha�d�r of the�ien an agree�rnen�sati�fac�or�to Lender suhordinating the �i�n��his Security Ins�rument. If Lender determines tha�an�par�of�he Proper�y �s sub�ec��o a Iien whi�h can attain prior��over�h�s Se�urity. �nstrument, Lend�r may give B�rrow�r a not�ce�dent�fying the�i�n. V�it.h�n �D days of�h�date�n,whi�h�hat no�ic� �s given, Borrawer�ha�� a�isfy�he izen or tak�one or more �f t�e act�ons se�forth abo�e �n this Sec�ion 4, Lender may require B�rrt�wer��pay a one-t�m�charge for a real�state ta�.veri�Cation andlor repar��ng ser�vi�e used�y L�nder in cann�cti�n vvi�h th�s Loan. �. Property �nsurance. B�rrower sha��keep th� improw�m�nts now exis��ng or hereaf��r erected on th� Proper�y znsured against�oss by fir�, hazards included w�thin�h��erm "extended coverage," and an�other hazards includ�ng, but no�linuted t�, ear�hqua�es and f�oods, for wh�ch Lender requires insuran�e. Th�s insurance sha11 b�mair�tained in t��amoun�s �including deduct�ble�ev�ls} and f�r the periads that Lender requir�e�. What L�ndez ze�quir�s p�rsu�t to th�pr��ix�g s��.t��s�an change during th��erm of the Laa.�. The insurance carrier providing the insurar�c�sha��be chasen by B�rrower subj ect��Lender's right to disapprove Borrow�r's chfl�ce, which right shall not be exercised unrea�ona��y. Len�.er may r�quire B�rr�w�r to pay, in cor�nect�on wi�h this Laan, �ith�r: �a} a one-�ime c�arge fnr flofld 2ane d�term�nation, cert�fication and track�ng ser�ices; �r tb� a an�-t�me charge for�1�od zone deternrunat�an ar�d cer�i�ca��n serv�ces an�subsequen��harges each��me remapp�ngs�r simai�ar changes accur v�rh��h reasanably migh� affec�such�eterr.�nation or�er�ifica��n. B�rr�wer shall also b�responsihle for the payment of ata�fees imp�sed by�he Federa� Emerg�nc� Managemen�Agenc�r�n connect�on w��h the re�iev� af any f�n�d zon� de�erminat�on resu�t�ng frarn an ab�e�tion�y Borrower. �f Barrower fails t�ma�n�airz any of the coverages des�ri�ed above, Lender may obta�n�r�surance��v�rage, at Lender's opt�on and Borr�wer's expense. L�nder�s under no ob�igation to pur�hase an�r par�icular t�pe or amount af caverag�. Z`herefo�e, such coverage sha�� cnver Lend�r, but might or might nat pr��ect Barr�w�r, Borrower's�qu�ty in the Pr�p�rty, ar�he con�ents of th�Pr�p�r�y, a�a�ns�any ri�k, hazard or��abz��y arzd m�gh�pro��e great�r or�esser ca�erage than was pre�iously in effe��, Borro�er ackno��edges��at th�cast of the�nsuraiace coverage so ob�ained m�ght sign�fican��y�xceed th�cost�f insuran.ce�ha�Borrvwer c�u�d have obtained. Any am�unts d�sbursed by Lender un�er th�s S�ct�on S shal�b�corne addi�ional deb�of Borrawer secured ay this Secur�ty�ns�rument. T`hese amoun�s shall b�ar�n�erest at the No�e ra�e frflm�he date of disbursem�n�and�ha��be payab��, w�th such interes�, upon not�ce from Lender t�Borrower requesting payment. N�BRASi�A-Single�amity-Fannie Mael�reddie Mac UNIFQRM 1N5TRUMENT �orrr►3428 11�� VMP� VMPfi[NEj t13�2� Wvlters Kluwe�Financiat S�r�ices Page C of 17