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201207653 required tay RESPA, and Borrower shall pay to Lender the ainount necesgary to make up fhe deficiency in accordance wifli RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by trris Secisity Insh-ument, Lender sha11 promptly refund tp Boaower any Funds lield by l ender. 4. Charges; Liens. Borrower sha11 pay all tases, assessments, charges, fines, and imposifions attributaUle tp the Properiy which pan attaia priority over tliis Securtty Instnunent, leasehold payinenfs ox gound rzats on Uie Property, if any, and Community Association Dues, Fees, aezd Assesstpents, if any_ To the exLent thai these items are Escro�v Items, Bo�sowex shall pay them in the matmer provided in Section 3. Borrower shall promptly discharge any lien R�luch has priarity over this Sc�Luity Instrument unless Borrower: (a) agrees in writing to the payment of tl�e obligation secured by the lien in a inanner acceptable to Lender, but only so long as Borrower is pexfomung sueh agreement; (b) contests the lien in good fai8i by, or defendg against enforcement o�the lien in, legal proceedings which in,Lander's opinion operate to prevent the enfoieement of tha lien�vhile tbose proceedings are pending, but anly unfil such proceedzngs are concluded; or(c) secvres from ihe holder of the lien an aa eement satisfactory[o Lender subordinaring the li en to this Sea�ity Instrum�ut. If L�dea deEermines that any part o£tlie Property is subj ect io a Iien which can attain prioriey over this Seauity Inshwneirt, Lender may give Borrower a noGce identifying tUe lien. Withiu 10 days of the date on which thaC notice is given, Borrower shall satis£y the lien or taice one or more of the ac[ions set forth above in th3s Section 4. Lender may xequixe Borrower to pay a one-time chzsge for a real estate tax verification and/or reporting service used by Lender in connection�ith this Loan. 5. Property Insurance. Borrower shall keep the unprovements now existing ar laereafter erected on the PtopeP.y insured against loss by fire, hazazds included within the Yerm"extended coverage,° and any other hazards including, but not limited to, earthquakes and floods, fnr which I.ender requires insurance. This insurance shall be r�aintained in the amounis (including deductible levels) and for the periods that Lender requ�es What Lender ieguixes pursuant to the preceding sentences can cbange dwing the term of fhe Loan. The insurance cazrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, �vhich right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, cither: (a) a one-tune charge for flood zone deteruunation, certification and tracking services; or(b) a one-rime charge Por flood wne determination and certiiicalion services and subsequen#charges each time remappings or similar changes occur which reasonably uught afPect such detennuiation or certifieation. Borro�vcr shall also be responsible for the payment of any fees unposed by the Federal Emergency Management Agency in conneclion with the review of any flood zone delenninatiuu re5ulLing frum an ubjee;lion by Borrower. I£Borrower farls to maintain any of the coverages descri'bed above, Lenfler may obtain insurance covetage, at Lender'c ophon and Bonower's expense. Lender is under no obligation to purchasc any particulaz type or amoLmt of covcrage. �!�hcreforc, such coverage shall cover Lender, hut might or might not protect Borrower, Borrower s equiry in the Property, or the contents of the Property, against any risk, hazard or liability and might provide�eater or lesser coverage than was pre�riously in effect Bonower aclmowledges thaC Che cost of khe ins�ance coverage so obtained might signifcantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender imdu this Secl�ion S shall becoine addirionai debt of Borrower secured by tlus Security Instrumeut. These amounts shall bear interest at the I�Tote rate from the date of dzsbursement and shall be payable; with such Interest, upon notice from I.ender to Boxxower requesting payment. zaooz�ae NE9R4SKA-SinSleFamily-FannieP4aelFr=_tlaieMacUNIFOFUf� INSTRUb:EUT Porm3o2a t/ot VE�P a0 VMPG(NEJ('I�05) Vdolfers KWvver Financial5ervices Pege 6 ot 1 Y