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� 201208789 requircd by RESPA, and Boaower shall pay to Lender the amounf necessary to make up the deficiency in accordance with RESPA, but in no more than 12 mpnthly payments. Upon payment in fiill of all sums secuxed by Yhis Secnrity Instrument, Lender shall promp�ly refiuid to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all tazes, assessments, charges, fines, and impositions attribufable to the Properry which can attain priori�y ovcr this Security Instrument, teaiehold payuients oa a�ound rents on the Propexty, if any, and Community Associafion Daes, Fzes, and Asses�nents, if any. To the extent that ttiese items aze Fscrow Items, Borrower shall pay them in the inanner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Tnstrument unless Borrower. (a) agrees in wriring to the payment of the obligarion secured by the lien in a m<wner acceptable to Lender, but only so long as Bortower is perPonning such a�eement; (b) contests the lien in good faith by, or defends against enPorcement of the lien in, legal pxoeeedings�vhich in Iznder's opuuon operate to prevent thc enforcement of the lien while those prqceedings are pending, but only unril such proceeding9 aze concludecl or(c} sccures from the holder of the lien an aa eement satisfactory to Len3er subordinating the lien to this Security Instrumeirt. lf Lender detexmines thaf any part of the Property is subject to a lien wluch can attain priority over this Security Instrument, Lender may give Borrowzr a notice identifying the lien. Within 10 days of the date on which rhat notice is given, Borrowes shall satisfy the lien or take one or more of the ac[ions set forth above in this Section 4. Lender may requira I3orrower fo pay a on�time charge€or a real estate tas verification�d/or reporCing serv2ce used by Lendec in connection with thfs Loan. 5. Property Insurance. Borrower shall keep tl�e improvements now exisling or hereafter erected on the Property insLucd aaainst loss by fire, hazazds included within thc term"extended coverage," and any other hazazds including, but not limited to, earthquakes and tloods, for which Lender rcquires insurance. This insurance shall be maintaiucd in the amounts(includmg deduc�ible levcls)and for the periods that Lender rec�ures. ��hat Lender requirzs pursuant to the prcccding sentences can change during tlie term of the Loan. The insurance cazrier providing tlie insurance shall be chosen by Borrower subject to Lender s right to disapprove Borrower s choice, which right shall not be exercised unreasonabIy. Lender may require Borrower to pay, in connection with tlus Loan, either: (a) a on�time chazge for Ilood z�ne deternunation, certification and tracking services; or (b) a one-time eharge for flood zone detesuunahion and certificarion serviees and subsequent charges each time reznappings or similaz changes occur whieh reasonably might affect such determivation or ecrtification_ Borrower shall also be responsible for flie payment of any fees imposed by the Federal Emergency Management Agency in eonnection with the review of ury flood zone detercvnation resulting fr�m an objection hy Borrower. If Borrower fails to maintain.any of the covaages described aUove, Lendzr may obtain insurt�nce coverage, at Lendex's option and Borrower's expen�e. Lendet is under no obligation to purchase any parriculaz type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equi.ty in the Property, or the contenfs of the Properry, against any risk, hazard or liability and aught provide geater or lesser coverage than itras previously in effect. Borrower acknowledges that the cost of the inst�ance coverage so obtained inight significanfly�ceed the cost of insurance that Borrov✓er could have obtained. Any amounts disbursed by Lender under this Section� shall become adciitional debt of Borrower secuxed by flris Sectuity Tnstrument These anwun� sha11 bear uiterest at the Note raYe from the date of disbursement and shall bc payable, with such interest, upon nolice from Lender to Borrower requesting payment. zaoazaa: NFBRIISKA-Single Fzmily-Fannie 1a1 aelrcetldie M ac UNIfORM11 INSTRpM T'T Form 3028 1lOt ��°�?L"'� VM Pfi(NE)(5105) VNo4ers Kluwer Financial Services Page 6 of 1]