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201211196 required by RESPA, and Borrowei shall pay to Lender the amount necessary to make up the deficiency in accordance wrth RESPA, but in no more than 12 �onthly payments. Upon payment in full of all sums secured by this Seeurity Iastnunent Lender shall promptly refimd to Borrower any Funds held by Lender. 4. Charges; Liens. Bonower shall pay all taxes, assessments, charges, fines, and 'unposirions attributable to the Property which c�attain priority ovar this Security Instrument, leasehold pa}nnents or 2round rents on the Fzoperry, 3f any, and Community Assoeiation Dues, Fees, and Assessments, if any. To the extent tkiaC these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower sflall promptly dischaz-ge any lien which has priority over this Security T��nent unless Borrower: (a)agrees in writing to the payment of the obliga6on sec�sed by the lien in a mannez acceptable to Lender, but only so long as Borrower is perfomuug such agreeme,nt; (b) contests the lien in good faith by, or dePends against enforcement of Lhe licn in, legal proceedings which in Lender's opuiion opera#e to prevent the enforcement of the lien while fhose proceedings are pending, but onlq until such groceedings aze wncluded; or(c) secures from the holder of the lien an agreement safisfactory to Lender subordinating the lien to flus Security Instnunent If I,ender determines that any part o£the Property is subj ect to a lien which can attain priority over tlus Security Instruuient, Lender may give Borrower a notzce idenrifying the lien. Within 10 days of the date on which that nogce is givan, Borrower sfiall satisfy the lien Or take oae or more of the acrions set forth above in this Sectian 4. I.ender may require Borrower to pay a onatime charge for a real estate taz verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the unprovements now eusting or hereafter erected on the Property insured against loss by fire, hazazds included within the tenn"extended coveiage," and any other hazazds including, but not limited to, earthquakes and floods, for which Lender requires insurancc. This insurance shall be maintained in the amounTs(including deductiUle levels) and Por tlie periods that Lender requires. What Lender requires pursu�t to the precedaig sentences can change during the t�m of the Loan. The insurance carrier providing the insutance shall be chosen by Boxrower subject to I,ender s rigpt to disappmve Borrower's choice, which right shall not be�ercised unreasonablq. Lenda may requre Borrowet to gay, in connection with this Loan, either: (a) a on�i�me charge for flood zone determinatron, certificarion and tracking services; or(U) a one-time chazge for flood zone detenninarion and cerp.fication services�nu subsequent cl�arges each time remappings or similaz changes occur which reasonably inight affect snch determination or certification. Borroa�er shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in cormection with flie review of any flood zone deternuuation resulting from an objection by Eorrower. If Bqirowee fails to mairrtain y�y of fl�e coverages desexibed above, Lender may obtain insurance coverage, at Lender's option and Borrower's espense. I,ender is under no obligation to purcl�ase any particular type or amount of coverage. Therefora, such coverage shall cover Lender, but uught or inight not protect Borrower, Borrowei's equity in the Property, or the contents of the Properly, against anv risk, hazard or liability and might provide geater or lesser coverage than was prcviously in effect Borrower aclmowledges that the cost of the insurance coverage so obtained inight siguficantly�cced flie cost of insurance that Bozrower could have obtauted. Any amoimts disbursed by Lender tuider this Sectioa 5 shall become additional debt crf Borrower secured by this Security Instrument. These amounts shall.beaz interest at the I\Tote rate frorn the date of disbursement and shall be payalile, with such irnerest, upon notice from Lender to Borrower requesring payment. 2aooazsi NEBRFSICA-Single Family-Fannie bi aPJFretldie A1ac ONIFORM INSTRUM.ENT Form 3028 1l�i VMP� VM PB(N�(1105) W olters KWw er Financial Services Page 6 of i�