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201200798 required by RFSPA, a¢d Borrower shall pay to Lendec the amount neeessaiy to make up thc dcCiciency in accocdance wifh RESPA, but in no more than 12 montlily payments. Upon payment in full of all sunis securcd by [his Seeuriey Instrument, Lender shall prompUy refund to Borrawer airy Fu�ids held by Lcnder, 4. Charges; Liens, Borrower shall pay all taxes, assessments, eharges, fiizes, and impositions atCributaUle Co the Property wlaich can attain priarity over this 9ecurity Instrtmient, ]easchold paymeots or ground rents on the Property, if any, and CommuniCy Assaciation Dues, Fees, and AssessmenCS, if any. To the extent Yhat fhese items are Ese�row Items, Borrower shxll pay thcm in the manner provided in Section 3. Borrower shall promptly discharge auy lien wliicli lias priority ovcr chis SecuriCy Inshumsnt unless Borrower; (a) agrees in writing to Uie paymenl of the obligation secured Uy the licn in a manner aceeptable Co, Lender, but only so long as Borrower is performing sucli agreement; (b) conCesCS the lien in good faith by, or defends against enforcemcnC oP Che ]ien in, legal proceediugs which 3n Lender's opinion oper2te to prevent the entbreen�ent of the Iien while those proceedings aze pending, but only u�rtil suclx proceed3ngs are concluded; or(c) secures from the holder of the lien an agreement satisfaetory to Leuder subordinating the lieo to this Seeurity Inetrument. If Lendar determines that any pare of Che Property is subjccl' to a lien wh[ch ean attain priority over this Security Instrument, I.ender may give Bocrower a nofice idenCifying� the lien. Within 10 days of the date on which that notice is given, Boxrowar sliall saCisfy the lien or Yake one oT morc of the actions set forfh above in this SeeCion 4. Lender may requixe Borrowcr Co pay a one-time charge for a real estate tax verification and/or reporting service used by Lcnder in conneetion witli this Lo.m. 5. Property Insurance. f3orrower shall keep the improvements n�w exis[ing or hereafter erected on the ProperCy insured against loss by fire, hazaeds included wiChin Ihe term "extended coverage," and any othar hazards including, bue npt limited to, earthquakcs and floods, for which Leuder requires insurance. This insw�ance sl�all be maiutained i�i the amounfs (including deducYible levels) and for t'he periods C1�aC Lender requires, Wliai Lencler rec]uires pursuant to the preceding sentences can ehange during ehe term of the Loan. The insurance carricr providing the insurance shRll be ohosen by Borrower subjecC to Leuder's right to disapprove Rorrower's chcaice, wliioh right shall not be cxercised unreasonaUly. Lender inay rcquire Borrower to pay, in connecCion with this Loau, either. (a) a one-tlme charge for flood zone determinaCion, certificalion and lracking serviees; or (U) a one-time cliarge Pox flood zone determination and certifica6ion services and suhsequent cliarges eacli time remappings or similar ehanges occur wliich reasonably might afFect sucli deYermination rn•certification: Borrower sha]I also be responsiUle t'or the payment oP any fees imposed by tlie Federail Emergency Management Agency in comiection with Chc review of any flood zone detenninatioi�resulting fron�an objection hy Boirower. If Bortnwer fails to mainUii�i any of the coverages described al�ove, Lender may obCain insw�ance coverage, at Lender's option and Bormwer's expense. Le�tder is under no obligation to purchase any pnrtictilar type or aniount of coveragc. Therefore, sueh coverage shall cover Leadcr, buC might or miglit not protect Borrower, Boxcowcc's equity in the Property, or the contents of the Pcoperry, against any risk, liazard or liabiliLy and might provide greafer oc lesser coverage than was previously in effect. Borrower acla7owledges that tlte cost of the insurance coverage so obtained might sigiiifieantly exceed the cost of insurance that Borrower could liave obtained. Any amounts disbursed by Lender under th3s Section 5 shall become additional debt of Borrowcr secured by this Security Instrument, These amounCs shall bear interest nt tlie Note raCC'Prom the date of QisbursemenC aiid shall be payaUle, with such inCerest, upnn notice from Lender to Borrower requesting payment, 240001b8 NEBRASICA-Single Family-Fannie MaelFraddle Mec UNIFQRM IN9TRUMENT Form 30281I09 VMP(y VMPBME111106� Wolte�a Kluwm Hnannlal 5crvloos Paqa 8 of 1]