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201201978 required I�y RE5PA, and Borcower shall pay to Lender the amount necessary to make up tl�e deficiei�cy in accordance with R�SPA, bat in no more tl��n 12 monthly payments. Upon paymant in full of all sume secured by Chis 3ecuritp I»sYrumenY, Lender shall prompCly refund to Borrower any Punds held by Lencler. 4. Charges; l.iens. Rorrawer shall pay afl taxes, assessments, charg'es, fines, and impoeitions attributable to the Properfy which ean attain prioriYy over fl�is Security Instcument, leaseliold pnyments or ground renYs on tl�e Praperfy, iP auy, and Camniunity Assoc3ation Dues, Fees, �md Assessments, if�my. To thc extent tl��t these items tire Esorow 1Cems, I3orrower shall pay Chem in lhe manner provided in SecCion 3. Borrowee shall ��eomptly dischaxgc any ]icn Whicl�has priority ovcr this Sccurity insCrument unless Borrower: (a) agrees in wxitiug to tlie payment of the oMigation secured by the lien in n manner accep4ible to I,ender, Uut oiily so long as Borrower is pe�-formil�g such agreement; (b) contests tlie lien in�ooel Fail'1�by, or defellds against enf�rc;ement of the lien in, lc�al proccedings which in L,ender's opinion operate to prevent the e�iforcement of the licn whilc thosc pxoceedings are pending, but only until such proceedings are ooncluded; or(c) secures from the holder of the lien an agreement batisfactory Co Lender subo�dinating tlie liei� lo Chis SecuriCy Instrument. If Lender deCermines that any part of Yhe ProperCy ia subject to a lien whicli can attain prionry over Cliis Seeurity Instrument, Lender may give Boxcower a notice identifyiug the]ien. WiChiv 10 days of Che date on whicfi that notice is given, Borrower shal] satisfy the lieii or take one or more of the netions se[foE�Ui tibove in this Section 4. LeAider may require T3orrower Co pay a oiie-time charge for a real estate txx verification and/or reporCing service used by Lender in connecCion wiCh this Loan. 5. Property Insuranee, Borrower shall 1<eep the improvcn�ents now existing ox hcrcaPtcr erccted on the Prc�perty insured against loss by fire, ha�ards included wichin tbe [erm "extended coverage," and any other hazards iucluding, but not limited [o, earthquakes and floods, fr�r whieh Lendar requires insurnnce. This insurance shall be maintained in the amounCs (including d�dueCible levels) and for the periods thaC Lender requires. What Lender requires pursuant to the preceding senteuces can change during tl�e terni of the Loan. The it�sm�ance earrier prov3di�ig Uie insurance shal] be chosen by Borrower subject to Lender's right to disapprove Boriowec's choicc, which rigl�t sliall not bc cxercised unrcasonably. Lender may require Borrower co pay, in connection wiUi this Loan, either: (a) a one-time chargc for flood zone determinaCion, certificfltion and traclnng seivices; or(b) a one-tin�e chargc for ilood z�ne cicterminaCion and cerdPicaCion scrvices and subsequenC charges each time remappings or similar changes occur whieh reason2�ly might affect such determination or certificaYion. Borrower sl�nll also Ue responsible for the payment of any fees imposed by the Pederal Emergeuey Mviagement Agency iii conuection with the review oY any flood zonc determination resulting from an obf��;tion by Boreuwex. If Enrrower fails Co �naintaiil any of the coverages described above, Lender may obta3i� ineurance covera�e, at Lender's option and Borrc�wer's expense. Lender is under no obligxtion ta purchase any particqlar Cype or amount of coverage. Therefore, such coveragc shall covci Lcnder, buC mighC ormighC not proteet Rorrower, Borrower'e aquuy in the Property, or t'he contents of Che Property, a�ainst any risk, 6azard or liability and mighC provide greaCer or lesser coverage than was previously in effect, Borrower aelaiowfedges Chat Che cost' of Che insuranee coverage so obtained might significantly exceed the cost of insuranc�tliat Borrower cc�uld liave obtained. Any amouuts d3sbursed by Lender under this Scction 5 shall become additional debt of Borr�wer secured by this Secur3ty InsCrumen[. Thase amounts shall baar interest at the Note rate finm the �daCe oP disbursemen�and shalf be payable, with such inCeresY, upon nofice fi•om Lender Co Borrower requesting� payment, 24000G8] NF.RHASKA-Sln�lo Family-Fannle Mao7FroAdle Mac UNIPOFlM INSTfil1MENT Form 9U2a 1101 VMP u0 . VMPB(NCI(1105� WoltarelUUwar Financlal Servioes Paeo 6 0l 1]