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NOTICE TO BORROWER <br /> NOT IN <br /> SPECIAL FLOOD HAZARD AREA <br /> Borrower: Diane L.Benson <br /> Property Location: 3000 COUNTY ROAD P <br /> MOUNT HOREB, WI 535721514 <br /> This Notice Date is as of: 04/03/2012 <br /> Attached is the completed Standard Flood Hazard Determination Form that indicates <br /> that the improved real estate or mobile home securing your loan is NOT located <br /> in the area designated by the Director of the Federal Emergency Management Agency <br /> ("FEMA") as an area having special hazards (a "SFHA") . As a result of this <br /> determination, we will not be requiring you to obtain flood insurance in connection <br /> with the making of your loan. <br /> However, your home may be near a SFHA and you may want to consider the advisability <br /> of obtaining flood insurance. You should check with your insurance agent or company <br /> as to the coverage types and amounts available to you and make your own determination <br /> as to whether you desire any such coverage. <br /> If, however, at any time during the term of your loan the improved real estate or <br /> mobile home securing your loan is, due to re-mapping by FEMA or otherwise, located <br /> in an area that has been identified by the Director of FEMA as an area having <br /> special hazards and in which flood insurance is available under the National Flood <br /> Insurance Act of 1968, you will be so notified and advised that you should obtain <br /> flood insurance in an amount not less than the amount we advise you is appropriate. <br /> If, within 45 days after we send you such notification, you fail to purchase flood <br /> insurance in an amount not less than the amount we advise you is necessary we shall <br /> purchase such flood insurance on your behalf at your expense, as we are authorized <br /> to do in accordance with the provisions of the National Flood Disaster Protection <br /> Act of 1973, as amended. <br /> I/We, the undersigned borrower(s)/applicant(s) , hereby understand and agree to <br /> all the above. <br /> Bank Official Date <br /> Borrower/Applicant Date Borrower/Applicant Date <br /> Borrower/Applicant Date Borrower/Applicant Date <br />