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201208211 required by RF,�Pf�, and Rorrower sl�all p1y to Lender the aanoLmt necesszry to make up the deficiency in accorcianco wi$�R�SPA, but in no morc tl�an 12 monthly paymo��ts. IIpon payment in fitll of all smns secured by this Seom'ity Insh�utnent, I,esider sha11 proinptly refund to Borrou�er 2ny Punds held by Lencler. 4. Charges; Liens. Bprrower shall pay all taxes, esscseme��ts, chargc;s, fines, and impositions att��ibutable to Yhe Fcoperty wluch een attain priority over thie Security Instriiment, le�seholci payments,or ground rents on the Property, if'any, uicl Coimnunity Assooiation Dues, Feee, aud Assessments, if nny. To the extent tAat these items are'L1'scrow Items, Bon�ower s1ia11 pay them in tlie mamrer I�rovided in Sectiou 3�. Bon ower shall proniptly discharge any lien which has priority over flris Security Iustrument unless Borrowcr: (a) agrcc�s�in writing Co the pay�nenC of the obligatian r�eciu�ed by tl�e lic�i in a mannor accept�Fhlc to Lender, buC only so long as IIorrower is perFarming such agreement; (b)oouCests the lien in good£aieh by, or defends ngunst enforceinent of'the lien in, legal proceedin�s wluch in Lender's opinion operate to prevent the enforcem�it of the�lien wl�ile tliose proceedings aro pcnding, b�iY only unti1 sucl� proceedings aro oonchtded; or(c) aecures fl�om the holcier oP che lien an agreeu�ent snCisfaotory to Lendet subordinating Lhe lien to fhis Seciu•ity Inst�ument. If Letader determines Ehzt any paz t of the PA•operry is subject to a lien whlch cvi attain priority over flus Secm'ity Tnstrument�, Lznder inay give Rorrower a notice ide�ltifying tl�e liei�. Witliin 10 days of the date on wl�ich tl�at nofiec ie giv�ni, Borrower sliall szitiefy thc lien or Lakc pne or n�orc of the aetions set forCh above in hlus Section 4. f.ender mety require 13orrower to pay a onc�timc charge for a rcal eslaCe Cax veriiicafion and/or reporting eeivice uecd Uy Lender iti aoimeoCion with this Lnan. 5. Propel'ty Insuranee. Borrower shall keep the improvemenCs now exisling or hereafter erected ou the Property insured against lose by fire, hazards inchxdect witliin the terin"extended coveraga," and any other hazards ineluding, but not li�nited to, earlhqnalces and floods, for which Lender reqLiires insurance. "I'l�is insure�nce sliall be maintained in tlic avioimtn(incluciing d€duolible ievels) and Por Lhe periods Ihnh Lender requires, WhaC Lender recluires puxsunnt to the precedirtg sentences cwi ohange duz�ing the terin of the Loan. The insurance cnrrier providing the instuance skall be cliosen Uy l3orrower subject to I,ender's right to disapprove Bonower's cl�oice, which right sha11 not bo escroiscd unrcasonaUly. Le��dcr may rcquire Borrowen to pziy, in comzecrion wilh this Lovs, eiCl�er: (n) a oue-time oherge For flooci zone delermitutitiou, certificntion�nd t�a4king servicas; or(U) a one-time charge for flood zone deCenninatiou and certification sarvices and eubsequent chaa•ges eaoh time rema�ings or sitnilar Chang�r,occtiu•which reasonably migl�t affect sucl� detenninefion or cor6iflcation. Borrower shall also be responsible for the payment of any f�es imposed by fhe Federel L+mergency Menagement Agency iu oovnection witli the review oP any flood aone detertiunafion rasulting fi�on�vi oUjectlon Uy Borrower. If Borrower fails tio manitain auy of Uie covereges descriUed aUove, Lcnder may oUtain innurancc ooverage, at Lender's option and Borrowcr's expense. Lender is under no obligalion lo�urohase aziy pnrtioulcu Lype or n�i�ounC oG coverage. Therefore, such cover�ge ahall cover Lender, but might or might not protect Borrowar, Borrower's equity in the ProperCy, or tha contents of the Property, against any risk, hazard or liaUility and inight provide greater or lesser coverage th�ui was previously ii� effcct. I3otrowcr aeknowlcdgcs thaC fl�o cost of the inaurance coverage so oUtained inight sigvificantly exceed Clie cosl oP iiieurance tliaC Borrowex ooulcl have obtained. Any a��ounts disbursed by Lender under thie Section 5 ahnll become additionnl debt of Borrower seom�ed l�y this Secuiity Instrument. Thesa amounYs sl�all bear intaiest at the Note raCa�from the dake of disbursement and sl�all be payable, with suc1� interest, �q�on nofico fiom Lendcr to Borrowcr rcqucsting payment, 24002344 NEBRA51<A-Single Family-Fannie Mae/Freddle MacLNIFORM INSTRUMEiVT F6rm 3028 7/01 VM P(� VM Pe(NE)(1105) Walters Kluwer Flnanclsl Services P�ge G o(1]