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201208058 required by RE?SPA, and Borrower shnll pay Co Lencier Che amount nceessary to inake up the deficieney in accordance with RESPA, Uut in no more than 12 inonthly payments. Upon plyn�ent in fiill of all sums aecured by tl�is Security Ins[rim�enC, Lendcr shall prompfly refund to Borrower any Punds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, ass€ssnzents, chArges, fines, and impositr`ona attriUutablc fo the Property which can attain prioriCy over this Seourity Instrument, leasehold payinente or ground reuts on tlie Property, if any, and Community Associa�tioti Dues, I^ees, and Assessments, iP any. To�Uie extent tAat these items 2re�serow Iteins, Borrower shall prry khem in Lhe mauner provided in Section 3. Borrowor shall proinptly discharge any lien which has priori�y over th�s Sccurity Jnshument nnless Borrower: (a) agreas in writing to the payinent of the oUligation secured by the lien iu a manner noceptable to Lender, but only so long as liorrower is performing sucl� agreemenC; (U) contestis the lien iu good'faith by, nr dofends against enforcemenC oF the]icn in, legal proceedings whid� in L�snde�'�s opinion operate to preventi Che enforcemeuC oP lhe lien while fliose�rooeedings�u•e pending, but only until such proceedings arc ooncluded; or (c} secures from Yhe holder of the lien an agreement satisfnetory to Lender suUordinating Che lieu to this Security Instranent. I£Lender deternunes Chat vry part of'the Property is suUject to a lien wl�ich can attain priority ovc�r this Security inshument, 7,cnder may give�Rotrowe�'a notice identifyiug the lien. Within 10 days of lhe date on whieh ChaC notioe ia given, Borrower shall safisfy 11ie lien or knke one or morc of the actions set for�ti above in this SecYion 4. Lender may require Borrower to pay a one-time ch�rge for a real estate taY verification and/or reporUng se�'viee used by Lender in connection with thie T,oan. 5. Property InsuYanCe. Borrotuer shall keep the impinvements now existing or heienfter erecteci on the Property insw�ed againyt loss by fire, h�ards Tncladed within thc term "extended coveragq" and any other l�azards inc1uding, buC iioC limiCed f'o, e��rChqu�lces and£Iooda, for which Lender rcquires insurance. This insuranca shnll be maintained in the amoutrts (ineluding deducYible levels) and for the periods thnt Lender requu•es. Wh�t Lender requires pmsuurt to the preceding sentences can change during Cl�e terin oi'the Loan. The n�snrance can�ier providing thc insuranco shall be cl�osen by Borrowcr suhjcct to Le�dcr's right to dieapprove Borrower'e choice, which right ah¢ll not be exercised um easonably. Lendex mey require Rorrower to pay, in connection with this Loan, eitl�er: (a) a one-time charge�for t�7ood zone determination, certification and lracking services; or (6) a one-time chnrge for flood zone determination and cer[ifioa[ion seivio€s and subaequent chargea eAch tiine remappings or siinilar cliwges oceur which re��sonTbly might aEfect such detenninaCion or certification. Borrower shall also be responsible for tlie paymen�of any fees i�nposed by tlie Federzd Emorgcn�cy Managcmcnt Agcncy in com2ocUon with thc rcvicw of any flood zone cioUerminalion reeLdLrng frou�ati objeotion by Borrower. If Borrowcr failt; Co maint�in any oP tl�e ooverages deaaribed above, Lender may obtain insnrance covcragc, at Lendex's option and Borrower's expense. Lender ie under no obligation to purchase ony particular type or ztnount of coverage. Therefore, such coverage shall cover l.ender, Uut might or migl�t not protecC Borro��er, Borrow�r's cquity in the Property, or fhe conCenCs of Lhe Proper[y, against any riek, has2rd or liability and might provide greatex or lessar covernge thnn wae previously in effect, Borrower aalmowledges that the oosc oPthe inauranoe coverage so obtained might signlficantly exceed the cost of insuranca fhat Rorrower could hava obtatined. Any antounts disburscd by Lcndrn`undcr Lhis Seclion 5 shall bccomc additional dcbt of Borrowcr sccurccl by Chis SecuriLy Instrun2ent. These amounts shall benr intieresC 1C Che Note r1Ce finm lhe date of disbursement and shall Ue pnynble, with such interest, upon nouce f'rom Lender to Borrower requesting payinent. P4902208 NEBRA6KA-3ingle Fem Ily-Fannle M eelFrodtlla M ea UNI FORM INSTRUM ENT Po�m 3028 1101 VMPB ' VMPB(NE}(1105) Wolters Kluwer Financial5ervices Page e nf 17