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201200170 required Uy R�SPA, and Borrower shall pay to Lender the aino�tnt necessary to malce up the de�ciency ii1 accorclance with R�SPA, vut in no more th�n 12 molzthly payillents. Upon paylnent us full of a11 suins secured by this Security I�istruinent, Lendei°shall promptly refund to Borrower any runds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessinents, cllarges, iiiles, and iinpositions lttributable to tlie�Pioperty which can attain priority over this Sectuity I�ZStrwnent, leasehold payments oz ground rents on t17e Property, if any, anc�Coimnunity Assaci�tion Dues, T'ees, and Assessments, if any. To the extent that these items are Escrow Iteins, Borrower shall p�y them in the m�nner provided in Section 3. Borrower shall proinptly discharge aiiy lien wliich h�ts priority over this Security Instrument usiless Borrower: (a)agrees iii writing to the paymen�of tlie obliga�ion secixred by the lian in a tnaiuler acceptable to Lender, but only so long as Borrower is�erforini�ig such agreement; (b) co�tests the lien in good faith by, or defends against anForceinent oF the lien in, 1ega1 proceedings whiclz in Lander's opinion operate to prevent the ei�forcement of the lien while those proceedings are pending, Uut only until such proceedings are concluded; or(c) secures froin the holder of fhe liez�an agreeinent satis£actory to Lender sttbordinating the lien to this Security Instrumetzt. If Lender determuies that any part of the Pi•operty is subject to a lien which can attain priority over thia SecLirity Instrurnent, Lender m�y give Borrower a notiee identifyil�g the lien. Within 10 days of the date on which th�t notice is given, Borrower shall satisfy the lien or talce one or more of the actions set forth avove in this Section 4.. Lencier may require Borrower to pay a one-tiine cliarge for a real estate tax verification and/oi•re�orting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall lceep the improveinents now existing or hereafter erected on the Property izlstireel against loss Uy fire, hazards incltldecl within the term"extende�l coverage," and any other hazards including, but not 7iini�ed to, earthqualces and floods, I'or which Lender requires insuranca. This insurance shall be maintained in tke a1noL�nts (iilcluding deduetiUle levels) and for the periods that Lendsr requires. What Lender requires pursuant to the preceding sentences cail change during the terin of the Loan. The insurance c�rrier providing tlle insurance shall be chosen Uy Borrower suUject to Leneler's right to disapprove Borrower's choice, which riglit sI1a11 not be exercised unreasonably. Lender may require Borrower Lo pay, in connection with this Lo1n, either: (a)a oiie-time cllarge for flood zone deterinin�tion, certiiication anc�tracleing services; or(U) a oile-tiine oharge for flood zone deterinination anc7 eertifieation services ai�d subsequent cllargas e�ch tii�le resnappings or sinular changes oecur which reasonably inight affect such determination or certification. Borrower shall also be responsible for the payn7ent of any fees iinposed by the Feder�l�inergency M�nageinent Agency in coiuiection witli the t•eview of�ny flood zone deterinination resultivg fronz an objection Uy Borrower. If Borrower fails to iilaintain any of the aoverages described aUove, Lender may obtain insur�nce cover�ge, at Lender's option and Borrower's expense. Lender is under no obligation to purcliase any pa1•ticalar type or amount of coverage. Therefore, sLtch coverage shall cover Lender, b�tt inight or inight not�rotect Boi•rower, Borrower's ec�uity in the Property, or the contents of the Property, ag�inst aiiy rislc, hazard or liability ailci �niglit provide greater or lesser coverage tlian was previoLtsly in effect. Borrower acicnowledges that the cost of tke insuraiice coverage so oUtainecl inight significantly exceed the cost of insurance that Borrower could h�ve oUtained. Airy ainounts disbursed Uy Lender under tliis Section 5 s11a11 Uecome additional debt of Borrower secured by this Security Instrument. These�tmounts sh�ll Ueai•interest ati t11e Note rate fi•om the date of disUursemeilt�ud shall Ue payaUle, witli such interest, upon notice fi�om Lender to Borrower reqtiesting payinent. 24000026 NEBRASKA-Single Famlly-Fannie MaelFreddle Mac UNIFORM INSTRUMENT Form 3024 1/01 VM P(�n VM P6(NE)(1106) Wolters Kluwer Financial Services Page 6 of 17