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201107695 required by RRSPA, and Boxrower shall pay co Lender Che amounC necessary Co make up the deficiency in accordance with RESPA, but in no mare than 12 monthly payments. Upon payment in full of all sums secured by Chis Security InstrumcnC, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrowec shall pay all eaxes, assessments,charges, Pines, and impositions attributable to ehe Property wliich can attain priority over this Security InserumenC, leasehold paymenCs or ground rents on tlie ProperYy, if any, and Community Association Dues, Pees, and Assessments, if any. To the axtent that tl�ese items are EscTOw Items, Boilower sliall pay them iu the maiuier provided in 9ection 3. Borrower shall promptly dischaige any lien whieh lias priority over this Secuxify Instrument unless Borrower: (a) agrces in writing to the paymenC oP the obligacion sccured by the lien in a manner acceptable to Lender, but only so lon� as Borrower is performing such agreemenr, (b) conCests ehe lien in good faieh by, or defends against enforcement of the lien in, legal p�roeeedings which in Lender's opinion operate to prevent the enforcemenY of the lien while Yhose proceedings u•e pending, but oiily until such proceedings are concluded; or (c) secures from tl�e holder of the lien au agreemev[sntisfactory ro Lender suborctinating the lien to this Security Instrumeiit. If Lender determines thtrt any part of the ProperCy is subject to a lien which can attain prioriry over this Securi6y InsCrument, Lender may give Eoccower a notiee identifying the fien, Within ]0 days of the date on w�ich tha[notice is given, Borrower shall satisfy tlie lien oi take one or more of the actions set foreli above iu this Section 4. Lender may require Borrower Co pay a one-Cime charga for a real estate tax verification and/or reporting serviee used 6y Lender in comiection with this Lo�ui. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Pmperty insured against loes by fire, liazards included wifhin the tenn "extended coverage," and ai�y otl�er liazards including, buC not limited to,earthquakes and floods, for which Lender requires insuranca. This insutance shall be maintained in the�unoimts (including deductible levels) and Por Che peeiods G�al Lender requires. WhaC I.ender requires pursuant to thc preceding sentences can change daring the term of the Loan, The insurance carrier providing the insurance shall be chosen by Borrower eubject to Lender's right to disapprove IIorrower's choice, which right shall not be exercised unreasonlbly. Lender may require Borrower to pay, in connection with this Loan, either; (a) a one-time charge for flood zone detormina[ion, certiPication and tracking services; or (b) a one-Yime charge for flood zone determination and cercification sarvices and su6sequent charges eacli time remappings or similar�changes occur wl�ich reasonably might affecC such determination or certification. Borrower sliall also be respousible for[he p�iyment uf any Yees imposed Uy the Federal Emergency Manage�nen[Agency in connection with the rcview of any flood zonc detenni��ation resulting from an objection by Borrowex. If IIorrower fails [o maintain auy of flie coverages dc�cribed above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no ubligation to purchase any particular Cype or amount oP coveragc. Therefore, such coveraga shall cover Lendex, but might or might not proCect Borrower, Borrower's equiry in the Properry, or the eonCents of Yhe ProperCy, against u�y risk, lilzard or Liability and might provide grelter or lesser coverage tlian was previously in effect. IIoxrower acknowledges that the cost of the insuiance coverage so obtainecl might significantly exceed the cost of insurauce ChaC Bormwer could have obtained. Any amounts disbursed by I.ender under�his SecCion 5 shall become addieional debt of Boxcawer secueed by rhis Security Insh•umene. These amounts shall bear inCerest at the Note rate firom tiie date of disbursement and shall be payat�le, with sucli inCeresC, upon notice fxom Lender to Borrower requesting payment. ss��s� N[ORASKA-Singla Family-f-annie MaelFreddle Mac UNIFOBM INSTRUMENT Fo�m 3028 1/01 VMP� VMP6WE�(�1061 Woltere Kluwer Finenelel Servlcea Pa9e 8 0(1]