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201210888 required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instnunent, Lender shall promptly refund to Borrower any Funds held by Lender. 4, Charges; LienS. Bonower shall pay all tazes, assessments, charges, fines, and impositions attributable to the Properiy which can attain priority over this Security Inshument, leasehold payments or ground rents on the Property, if any, and Comtnunity Associarion Dues, Fees, and Assessments, if any. To the eYtent that these items are Escrow Iteins, Borrower shall pay t13em in the maaner provided in Section 3. Borrower st�all promptly dischazge any lien which has priority ovet flus Security Instrument unless Borrower: (a)agcees in wri�ing to the payment of the obligarion secuted by the lien in a manner acceptable to Lender, buY only so long as Boaower is perfoiining such agreement; (b) contests the lien in good faikh by, or defends a�;nct enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings aze pending, but only until such proceediugs aze concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines tUat any part of the Property is subj ect to a lien which can attain priority over this Security Instrument, Lender may give Borrower a norice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a on�time charge for a real estate tax verification and/or repoxting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now e�sting or hereafter erected on the Property insured against loss by fire, hazazds included witbin the term"eYtended coverage," and any other hazards including, but not limited to, eazthquakes and floods, for which Lender requires insurance. This insurance shall be maantained in the amounts (including deductible levels)and for the periods that Lexider requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance cazrier providing the insuraace shall be ohosen by Borrower subj ect to Lender's right to disapprove Borrower's choice, which right shall not be�ercised unreasonably. Lender may requiie Borrower to pay, in connection with this Loan, either: (a)a one-rime charge for flood zone determination, certification and tracking services; or(b) a on�time charge for flood zone determivation and cerrification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such deternainafion ar certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Bonower. If Bonower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to puichase anq particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Properiy, or the contents of the Property, against any risk, hazazd or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained mip,ht si�ificantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under t}us Section 5 shall become additional dcbt of Borrower secured by this Security Instnunent. These auiounts shall bear interest at the Note rate from the dafe of disbursement and shall be payable, with such intexest, upon notice from Lender to Bonower requesting payment. zaoaaoas N�RASKA-Single Famity-Fannie MaeiFreatlie W ac UNIFORM INSTRUM FNT Form 3028 1/o 1 VMP[� - VMP6(N�(1105) Nlolt=_rs KWw er Fnancial Services Page 6 af 1l