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201206723 required by IZESPA, and Borrow�r shall pay to Lender the amoimt nwcnsary to malce up the deficie��cy in accordance with RESPA, but in no more thnn 12 marithly paytnents. Upon payment in full of all sums secured by this Security Instrument, Leuder ahal]promptly xefund to }2orrower auy Funds held bg Lendec � 4. CNarges; Liens. Rorrower shall pay all taxes, assess�nents, charges, fines, and impositions�thibut�ble to tho Property which can attait�priority ovcr tliis Socurity]nntrumcnt, leasehold pa5nnents or grotimd rants on the Property, if Any, �nd Cotmnunity Association Dnes, Tees, nnd Assessment�, if any. To thc cxtcnt tihat these items ara Secrow Items, Borrower ehall pay them in the moimer provicled in Section 3. Borrower shall promptly dischArge any lien wl�ich hae priority ovex this SeeuriCy Instrumenl unless 13orrower: (a) agreey in writittg to th�payment of the obligation secnred by the lien In a memier acceptable fo Lender, 6uf only so Iong as Botrower is performing such agreei�neiiL; (b) coitiCos4s the licn in good faitli by, or de£enda ageinst enfarcement of the lien in, legal proceedings which in Lender's opinioi�i operaCe lo prevene the eniorcement of the lieii while those proceedin�s are�endiug, buC only until such proceadin�s are conclnded; or (c) eecm�es ftom the holdcr of thc lion an agrecmc��t satisfachory to Lender subordinating tl�e liati fo hhis Seciirity Isistriunenk IF Lender det�rminea that any part of the Pro�erty is subjecC Co a lien which can nttain priority over this Security Insh•ument, Lendar may give Borrower a notice identifying the lien. Wil3iin 10 days of[he daCe on which that notice is given, Rorrowe�� shA11 satisfy the lien or take one or mora of the actioias set forHt above in th'rs SecNon 4. Lender uiay require Borrower to pay a one-tiine cl�arge for a real estate tax verificatiou and/or reporting service uscd by Lcndcr rn connccti�an with this La�ttn. 5. PYoperEy Insuranee. 8ori-0wcr shall kcep the irnprovcme��Ys jiow cxisting on c�ra�ffor erectcd on the ProperCy inaured agaius[losa by$re, h<�nrcie inchicled within the term"extended cover�ge," nncl any okher haz�u�da inclucGng, but not limited to, eaztliquakes nnd Iloods, f'or wl�ich Lender requires In9w�ance. This insw�ance shall be maintained in the amounts (including deductiblc levc]e) and for tl�ie periods th�t Lencicr requires. WhaC Lencier requires pLu-suant fo fhe�reced'uig sentenees aan ohange diuiag the term of tlie Lonn. The insuranee carrier providing the inew�tuice shzll be chosen Uy Bonrower subject to Lendar's right to disapprove Borrower's choice, which right shall not Ue exeroised nureasonaUly. Lender may require Bormwex to pay, in coiuicction widi�liis Loui, cither: (a) a one-unzc cl�arge for Plood zone detenizinNtioi3, c;artif'ication and tracking servioes; or(b) a one-tiine cl�arge for flood zone deteriniiu�tion and cerCification se�vioes aud subseque��t d��u�ges each time remappings or siinilar cl�angus occ�n�which reasonably n�ight a4Pect suoh deCerminaCiou or cerCilioncion. Borrower shall nlso be reaponeible for lhe�ayment of any fees imposed by the P'ederTl Emergency Manageanent Agency in comiection with tlie review of aziy flood zone determination resulting from an objection by 13oirowcr. If Rorrowee fails t�o iriaiixtain any of t1ie cove�'ages dascrlbcd abovc,�Lender may obtain insurancc urvorzlge, at Lender's option arid F3cn'rower's expense. Leuder is under no obligation to ptirohase Any partioultu�type or amounk of cover�tge, Therefore, such coverege shall cover Lender, Uut might or tniglrt noC protect Borrower, Borrower's equity iu fhe ProperCy, or the contents of f1�e Property, agaiiist any ris]<, 'hazard or liability aud might provide greate��or lesser cover2ge than was prcviously in aFFcct. Bort€�wcr aclrnowledgas that tlio co&ti of thc ineurance coverage so ol�lvned mighC sigiificantly exceed the cost o£insuranoe that IIorinwer could have obtained. flny amonnts disbursed by Lender under this Section 5 shall becoma addiCioi�l debt of Borrower secw'ed by this Security Instirument. Tbese amounts ehall bear interest at the Noto rate fi�om the datc of cGsburee��iont and shall be payal�]c, with such inCeresC, upon no[ice fi•om Lendar Co Borrower re�uesling payuient, --�— — -- --- — — zaoon�s NEBHASKA-Single Femlly-Fannle h7aefFreddie h7ac UNIFORM INSIRUfdENT Form 3�28 1/01� VfdP�i \/MPA(NE)(11051 Woltere Kluwer Finnncial 9ervlcos Pe90 fi of 17