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201201859 required 6y R�SPA, and Sorrower shall pay to Lender Uie amount necessary to make up the deficiency in accordance vaith RESP_A, but in no more than 12 monthly pa5nnents. Upon payment in full of all sums seeured by this Security is�strument, Lender shall prom�Uy refund to Borrower anv Funds held by Lender. 4. Charges; Liens. Borro�ver shall pay all tases, assessments, chargcs, fines, and unposiCions attributable to thc Property wkuch can atta.in priority over this Security Instnunent, leasehqld payments or groLmd zents on the Property, if any, and Community Associalion Dues, Fees, and Assess�nen[s, if any. To the extent that these items are Esct�ow Lteins, Borrower shall pay thefn in the manuer provided in Scction 3. Borrower shall promptly dischazge any lien which has priority over this Security Insirument unless Borrower: (a) agrees in writing to the payment of the obligarion secured by the lien in a manner acceptable to Lendc:r, but only so long as Borrower is performuig such agreement; (b) contests the lien in good faith by, or defends againet enforceinent of the lien in, legal pmeccdings which in Lender's opinion operate W prevent t]�e enforceacient of fhe lien while ll�ose proceedina aze pending, Uut only until such proczedings are concludeel; or(c) secures from the holder of the lien an abneement satisfactory to Lender subordinaTing thc lien to this Sec2xrity Instrument. If Lcnder determines that any part of thz Property is subiect to a iien which can aCtain priority over this Security InsMlnient, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on u�hieh that notice is given, Boaower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Leuder ma.y requixe Borrower to pay a one-time chazge for a real estate tax verification and/or rcporting serviee used by Lender in connection with this Loan. 5. Property Irtsurdnee. Borrower shall keep tlie ixnprov�tneats now exisflng or hereafta erected on thc Property insured againsT loss by fire, hazazds included witlun the term"eRtended wvcrage," and any other hazards including, but not 1'vnited 40, earthquakes and#loods, for which Leuder requires insur�ce. Th3s ins�ance sl�all be maintained in the amounYs(includmg deductble levels) and ior flie perio�s that Lendea' requiras. Whai Lender requi=es piusuank to the preceding sentences can change during the term of the I,oan_ The insurance carrier providing the insurance shall he chosen by Borro�er subject to Lendcr's right to disapprove Borsower's choice, which rlght shall not be exercised unrea�onably. Lender may xequ�e Borrower to pay, in connection with this Loan, eifiher: (a)a one-time charge for flood zone determinauon, certification and trackuig ser�ices; or(b) a on�tune charge for flood zone determinafion and certification services and subsequenC charges each time remappings ar sunilaz changes occur which reasonably might affect such determixiafion or certification. Bc>rro�ver shall also be responsible Por the payment of any fees imposcd by the Federal Emergency Management Agency in connection with the review of auy flood zone detennination resulting froin an objection by Borrower. If Borrower fails to maiutain any of the coverages descriUed above, Lender may obtain ivsi�rance coverane, at Lender's oprion and Borrower's cxpense. Lender is under no obligation to�urchase any particulaz type or ainotm[of coverage. Therefore, such coverage shall cover Lcnder; but might or might not protect Bonawer, BorrowAr's equity in the Pxoperty, or the contents of the Property, against aay risk, hazazd or liablity and might provide greater or lesser coverage than was previ�usly in effect. Rorrower aclmowledges that tlic c�st of the insurance coverage so obtaiued might significantly�Ceed the cost of insL�rance that Borrower coulcl haoe obtained Rny amounts disbursed by Lender undei flus Section 5 sha11 become additional debt of Boriower seceu'ed by this Security Instrument These atuounts shall bear interest at the Note rate from the date o£disbursement and shall be pa}�able, with such interest, upon notice fram Lendei to$orro�er requcsting payment. 24000554 NEBRASKA-Sing:e Famity-FZnnie IdaelFredtlie bi ac UNIFORA�I INSTRUPA FNT Fo�m 3�28 tl01 VMP`� VNIPB(NE)(1t05) VJolters Kluvrer Fnzncial S=_rvfces Page 6 of'I�