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201206682 requued by RESPA, and Borrower shall pay to Lcnder the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in fizll of all sums secured by this Sccurity Instrument, Lender shall promptly refund to Rorrower�y Funds held by Lender. 4. Gharges; Liens. Borrowe� shall pay all tases, assessments, charges, fines, and impositions attributahle to the Property which can attain prioxity oved this Security Insh-ument, Ie2sehold payments or�-ound rents on the Propert;%, if any, and Community Association Dues, Pees, and Assessments, if any. To thc extent tl�at these items arc Escrow IEems, Borrower shall pay fl�em in the maaner provided in Section 3. $orrower shall promptly discharge any lien a�hich has priority over this Security Instrument unless Borroe✓er: (a)agrees in writing to the payment of the obligation secured by the lien in a inamier acceptable to Lender, 6ut only so long as Boao��er is performing sueh agreement; (6) contests the lien in good faith by, or defends against enfrrrccinent of the lien in, legal procecdings which in Lender's opnuon operate to prevent the enforcement of the lien while thosc proceedings aze pendina, but on]y until such proceedings aze concluded; or(c) secures from the holder of the lien an agreemem satisfactory to Lender subordinating the lien to this Security InsirumenC. If Lendei deterniuies that a¢y part of the Properiy is subject to a lien which can attain priority over this Security Instrument, Lender may givc Borrower a notice idenfifying the lien. Within 10 days of the date on which Chat notice is}ven, Bonower shall satisfy the lien ar take one or Lnore of the lcrions set forih above in this Section 4. I ender may require Borrower to pay a one-tnne charge fnr a real e�Cate tax verification and/or reporting gervice used by I,ender in eonnection with this Loan. 5. Property f nsuranee. Borrower shall l�ec,�p the improvements no�eacisting on c�reafter erected on the Pxoperty insured against loss by fire, haaards included within thc teml"extended coverage," and any other hazards including, but not limited[o, �rthquakes snd floods, for which Lender requires insurance. This insuzance sfia11 be maintained in the amovnts(iacluding deductible levels) and for the periods tl�at Lender requires. �at Lender requires parsua.nt tti the preceding sentences can change during the tenn of the Loaa. The inscRance carrier providing the insurance shall be c$osen by Boriower subject to Lender s right to disapprove Borrower s choice, which right shall not be exerci�ed unreasonxbly. Lender�nay require Borrower to pay, in eonn�ction with tlus Loan, ciflier. (a) a on�tune charge for flood zone determination, certifieation and tracking services; or(b) a on�time charge for flood zone determinakion and certificafion services and suhsequent chazges each time remappsngs or similaz eFianges occur which reasonably might affect such deCerminafion or certificaEion. Borrower shall also be xesppnsible for the ga}rznent of any fees imposed by the Federal.Emergency Managetnent Agency in connectiou with the review of any flood zone deteriuivatiou re.sultiug frum an objex;liou by Borrower. , If Borrawer fails to inaintain any of tha coverages deSen�bed above, Lender tnay o6tain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particulaz type or amount of coverage. Therefore, such coverage shall cover Lender, but mi.�t or might not protect Borrower, Borxower's eqntty rn the Properiy, or the conYents pf the Properry, against any risk, hazazd or liability and might provide greater or lesser coverage than was previously in.e££ect. $onower acknowIedges ffiat the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have oUtained. Any amounts disbursed by Lender under trus Section 5 shall.become additionai debt of Borrower secuced by lhis Security Instrument. These amounts shall bear intezest at the Note race froin the date of diSbursement and shall be payable, with such interost, upon notice from Lender to Boirowta requesting paytnent. 34401]42 NFBR4SKA-Single Famiiy-Fannie M ze�`�2dtlie A9 ac U W 60RP9 W STRU M rT�T Form 302.fl 1101 VNP p ��p ge 6 of i] W olte(s quwer Fnanci9l Services