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201201013 required by ItESPA, and Borrower shall pay to Lender the amount necessazy to make np the deficiency isa accordance with_RF_.SPA, bnt m no more than 12 monthly payments. . Upon payment in full of ali sun�i secured by this Security Instrument, Lender shall promp.ly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, cbarges, fines, and imposirions altzibutable to � the Property wluch can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees; and Assessments, if any. To the exttent that . the,e items are Escrow Items, Borrower shall pay thein in the manner pro�7ded in Section 3. Bonower shall promptly discharge any lien a3uch has priority over this Security Instruinent unless Borrower: (a) agrees in writing to flie payment of the obligation secured by tha lien in a mziuier acceptable to Lender, but bt�ly a0 long aS Bosower is perfornnng such a�eentent; (b) conteste the li,en in good faith by, or defends against enforcement of the lien in, Iegal procccdings which in Lender's opiaion operate to prevent the enforcement of the lien while those proceedings aze pending, but only imtil such proceedings aze concluded; or(c) secures from the�holdez of the lizn an agreemeut satisfactory W Lender subordinating the lien to this Securit�%Instrutnent. If Lender detennines that any part of the Property is subject to a lien wluch can attain priarity over thi, Security Instrument, Iznder may give Borrower a notice identifying ihe lien. a'ithin 10 days of the daYe on which that notice is given, Borrowar shall satisfy the lien or take one or more of the actions set forth abovz in this Szction 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by L ender in connection anth this Loan. 5. Pt'operty Insurance. F3orrowzr shall keep the improvements now c�stin� or hereafter erected on the � Property insured against loss by fire, harards included within the terui"extendcd covera�e," and any other hazards including, but not lunited to; earthquzkes and floods, for which Lender requires insiu-ance. This insLU-ance shall be mainTained m the amounts(including deductible levels)and far the periods that Lender requires. What Lender requires pucsuant to the preceding sentences ean ehange during the term of the Loaa The ins¢rance carrier providing Yhe insurance shall be chosen by Borrower subject ro Lender's right to disappro��e Borro�ver's choice, w�hich right shall not be excrcised unreasonably. Lender may require Borrower to pay, in connecrion with this Loan, either: (a) a on�tune charge for flood zone determination, certification and tracking services; or(b) a one-tiine ch�rge for flood zone detemunation and certification services and subsequznt charges each time remappings or similar changes occiu��•hich reasonabhr might affect such deieintination or cerhification. Borrower shall also be responsible for the paymenf of any fees � imposed by the Federal Eme�gency Management Agency in connection with the review of any flood zone determuiation resuLhng�from an objedion by Borrower. � If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage; at Lender's oprion and.Botrower's expense. Lendzr is under no obligation to purchase any particular type or amount of coverage. TherePore, such coverage shall ca�er Lenda, but might or might not protect Bo�ower, Borrower's equity in flie Property; or the conteffis of the Property, again,t any risk hazazd or liability and might provide geater or lesser coverage than was pre��iousty in effect. Borlower aclrnowledges that thc cost of the i�isurauce coverage sa obtained might sigaificantly exceed rhe cost of insurance that BoxsoRrer could have obtained. Any amoLmts disbursed hy Lender under this Section 5 shall become additional debt of Borrower secured by this Security Inst`uaient. These amaunts shall bear interest at the Note xate from the date of rlisbursesnent and shall be payabl.e, with such mterest, vpon nofice from Lender to Bonower requesting payment. 240G0240 �EBRA.SKA-Single Fam ily-Fannie b1 ae�`retltlie 69 ac U W FORfA I�STRU:d ENT Form 3028 t l01 VMP�� Vf.1p6(NE)(1105) W olfe[s Kluvi er Fnancla�Se�vic_s PaSe 6 0`:�t