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201200389 required by I2ESPA, and Bc,rrower shall pay to L�der flte 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 smns seeured by this Security Jnstrument, Lender shall promptly rePund to Borrower any Funds held by Lender. 4. Charges; LienS. Borrower s1aa11 pay all tases, assessments, eharges, fines, and impositions attzibiitable tp the Property which.can atYain priority�ovcr this Security Instnunent, ]easehold payments or ground rents on the Property; if any, and Coxnmunity Association Ducs, Fees, and Assessments, if any. To the extent that these iteins are Escrow Ikems, Borrower shall pay them iri fhe manner pxovided in Section 3. Borrower shall promptlq discliarge any lien whioh has priority over this Seciuity Instnunenc Luiless Borrower: (a)ag}ees in writing to khe payment of the obligation secured by flie lien in a manner 2eceptable to Lender, but only so long as Borrower is performing such agrezment; (b) conlests the lien in good faith by, or defend,e againsf enfoxcement of the lien in, legal proccedings wh3ch in Lenda`s opuuon opexate to pxevent the enforceinent of the lien wlule those proceedings aze pending, but only until such proceedings are concluded; or(c) sccures from the holder of the lien an agreement satisfactory to Lender subordinating tl�e lien to this Security Ins[ruuient If Lender determines that any part of the Property is subject to a lien which can attain priority over this 5ecurity Insiniment, Lender may give Borrower a notice idenrifying fhe lien. Within 10 days of the daEe on which that norice is given, Borrower shall safisfy the llen or take one or more of the acrions set forth above in ttus Section 4. � Lendec may require Borrowa to pay a onatime charge for a real estate tax vexifieation and/or tepor[ing service used by Lender in connecrion with ttus Loan. 5. Property Insurance. Borrower shall keep the unprovements now existing ar herea$er erected on the Property insured against loss by fire, hazards included within tha term"extended coverage," and any other hazazds including, but not limitcd to, earthquakes and floods, for which Lender requires insurance. This insurance shall ba maintained in the amounts(including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the prcceding sentences can change during the term of the Loan. The insittanae carrier providing the insurance shall be ehosen by Borrower subject to Lender's rig�ht to disapprove Bonower's choice, which right shall not be exercised unreasonably. Lender may reqLUre Borrower to pay, in connecrion with this Loan, ei[her: (a) a on�time charge for flood zone determinarion, certification and tracldng services; or(b) a one-time chazge for flood zone determuia.tion and certification services and subsequent charges each tune remappings or similar changes occur which reasonably might affect such deterrninafion or ecrtification. Bortower shall also he resgonsible for the pa}anent of any fees unyosed by the Federal Emergency Manageinent Agency in connecCion with the review of auy flood zoue determinauon resulting from an objecrion by Borrower. If Borrowa faiLs to mairrtain any of fhe eoverages desczzbed above, Lender may obtain insisance covexage, at Lender's option aad Borrower s expense. I,ender is under no oUligation to purchase any pazticular type or amount oF coverage. Therefore, such coveragc shall.cover Lender, but might or might not protect Borrower, Borrower's equity in Che Properiy, or the contents of the Properiy, against any risk, hazard or liability and might provide greater or lesser coverage i}�an was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained mieJit si�ificantly exceed Yhe cost of insmance that Borrower could have obtained. Any amourns disbursed by Lender under this Sectian 5 shall become additional debt of Borrower secured by this Securily Insh-umcnt. These amounts shall beu interest at the Note rate from the date of disUurseinent and sUall be payable, with sucli interest, upon notice from Lender to Borrower requesting paymeaf. za000aso N�RASKA-Single Famity-Fannie M selFretldie M11ac UNPoRM MSTRUM ENT Porm 3028 1 f01 woiizr�s Kmwer Fina�ay ser��o�s vMas(n��(i ios) Page 6 of 1]