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201201292 required by RESPA, and Borrower shall pay Co Lender the ainount necessary to make up the defieiency in accordance with RESPA, buc in no more than ]2 monthly payments. Upon payment in fiIll of all sums secured by this Security Instrument, Lender shall promptly rafimd to Barrower vry Funds lield by L,cncicr. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, aiid impositions attributable to tlTe Property which can atkiin priority over tYiis Securiry IneCrument, leasehold payments or ground rents on the Properry, if any, and Community Aesociaeion Duee, Pees, aud Assessments, if any. To Che extent that lhese items are Escrow ICems, Borrower shall pay them in the manner provided in Section 3. Borrower shall prompdy diseh�rg�e any lien wliich lias p�iority over this Security Isxslrument n�fess Borrower; (1) agcees in writing to the payment of the obligatio�i seeured by ihe lien in a mamier accepta6lc to Lender, buY only so long as Boxrower is performing suph agreement; (b) co�itests the lien in good faith by, or defends against cnforcement of the lien in, legal proceedings which in I,endei's opinion operate w prevene Che en'foccement of the Iien while tliose proceedings are pendinb, buC only unCil sueh proeeedings are concluded; or(c) secures from Che holdec of tl�e lien an agreement satisfacYory to Lender su6ordinating tlie lien to this Secuiity Insh�ument. If Lendec dctermines that any pare of the Property is suUject ro a lien which � can attain priority over this Sccurily InsCrument, I.ender may give Borrowei a notice identitying Che lien, Within 1Q days of Che date on which that noCice is given, Borrower shall satisfy Lhe lien or take one or more � of the aedons set foirth above in this Sectioi�a. � � Lender may require Borrower to �ay n one-time cliarge for a real estate tax verifieaGlon and/or reporting serviee used by Lender in connection wiUi this Loa4�. 5. Property Insuranee, Borrower shall keep the iinprovemenCs now existing or liereafter �rected on the Property instiu�eci ngaiust loss by fira, hazards inclucicd wilhin the term °exfended coverage," and uny other l�azards including, but not limited to, ear[hquakes and floods, for whieh Lender requires insurance. 1'his insuiance shal] be maintained in the amounts (inclttding deduotible levels) and Yor the periods that Lender requires. Wl�at Lcnder requires pursuant t�the preeedivg sentences can change duriug Che¢erm of tlie Loan. The insurance carrier providiug tlie insurance sh211 Ue chosen by Bocrowee subjeet to Lender's rieht to di�approve Borrower's choice, wliich riglit shxll noC Ue exercised u�reasonably. Leuder mny require Borrower to pay, in connection with this Loan, eitlrer: (a) a one-time cl�arge for t7c�od zone decermination, certification and eraeking secvlces; or (b) a one-time char�c for flood zone determinaCion and cer[ification services aud subseqnent charges ench timc remappings ar similar cl�anges occur which reasonably mig1�6 aPfect such deterii�iiiation or certificatioa Rorrower shall also be responsiUle fc�r the paymcnC of any fees im�osecl by the Federal Nmergeney Management Agenoy in connection with the review of aoy flood zone detcrmination resulting from an objection by Borrower. If Borrower fails Co maintain any of U�e coverages descri6ed aUove, Lender inay obtain insurance coveraga, at L,endcr's option and Bc�rrower's expense. Lender is ui�der no obligalion to purchase any parYiculac Eype or amount of coverage. TherePore, such coverage shall covcr L,encler, but might or might not protect Borrower, I3orrower's e9uity in the Pr�perty, or the conCents of the ProperCy, against any risk, l�azard or liabilily an�l migl�t provide greater or lesser coverage than was previously in effect. Borrower aelrnowlcdge�s that the eost � oP Cl�e insurance coverage so obtained migl�t signit'icantly exceed Chc cosC o�f insurance khaC Bortower could have obtained. Any amounCs dishursed by Lender undcr this Section 5 shall become additionul debt of Borinwer secm�ed by this Security Instrun7enC. 7'hese amounts shal] bear interest.it the Note raCc Crom the d2te of disbursement and shall be paya6le, with such interest, upon notice from Lender lo]3orrower reques[ing ptryment. 2400035F NEOfiASKA-Sfnela Femlly-Fennle MeelFreddle Weo UNIFQRM IN3TRl1MENT Porm 3020 1l01 VMP p VMP6�NF111106) VJahers Kluwer FlnAnclel Sa�vlces Pega 0 of 17