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201209036 required Uy RLSPA, and Borrower shall pay to Lender the Eimount neceseary to make up the deficiency in accordence with RESPA, but in no inoro than 12 montl�ly pnymenta. Opon payinent in full of all sums secured by this Securitiy Instrumeut, Lendcr shal1 promptly refund to Borrowcr any I uuds held by Lender. 4. Charges; Liens. Rorrower shall pay all faxes, asscasme�rts, oharges, fines, and iinpoeitions attributable to the Property which can attain priority over thie Security Ivsh�wneut, leasehokd payments or groimd rents on the Propecty, if any, and Cominunity Association Dites, Peec, and Aasessments, if any. To the extent that these items are Escrow Items, Borrowor sltall pa�y them in the manner providcd in Section 3. Boirower shall proinptly dischat�;e any lien wlnch has priority over this Sccuritq Hietrmnant unless Borrowc��: (a) agrees In writing to the pn�nenC oP lhe obligation securad by the lien in n manner acec•�table tio Lencier, bnt or�ly�so long a�Borrower is perfonning such agrecment, (b) conteatis the lien in�good feith by, or defends ¢gainst enforcenient of thc lieFi in, legal proceedinga which in Levdcrr's o�inion operate Co preveut the enf'orcemenC of the lien while[hoaa proccedings are peiiding, but onl,y until such praocedings are cc�ncludad; or (c) secLues from Yhe holder of the lien an agrecmcnt satiyfactoiy Co Lender aubordinating tha lien to this Security 1nst��wnent. lf i endes determines thaY Any parf oP Che 1'roperty is subJect to a lieu whioh can att�iinprioriCy over lhis Sccurity lr�strwnent, Leilides mAy give Borrower a�aoNcc identifying the lien. Within 10 days of the date on which Ihat votice is given, Boirower shall satisfy the lien or take one or more of flie actions set forth above in this SecHon 4. Lendar inay require Bonowex to pay a one-Limo cl�arge for a real estale tAx verifioation and/or reporting scrvicc useci Uy Leudar in coimection with thie Loan. 5, Property Ir�surance. Borrower shall keep the improven�enls now cxistin�or hereafter erected on the Properly ineured against lose by fire, hazards included wiYliin ttie terna"extendcd covcrage," and auy oCher hazaa'ds including, but not IiiniCed to, earthquakcs and floods, for wluch Lender requires insm'ana;c. '1'hrs inaurance shall be m�intained in the�mounte (including daductiblc levels) and for fhe periods that Lender requires. What Lcndc�'requires pursuaut to the preceding sentenoes oan change dw'ing tlie teim of Y1�e I,otui. The insiirAnoe carrier providiitig thc insurauce shall be chosen by Brnrower au6jecC ��o Lcnder's rigliT�to disapprove Bormwer'a ohoice, whioh right�hall vot Ue exercised umeasoiktibly. Lencler n�ay reqLtire Botrower to pc�y, in eonnecEiou wifli this Loan, eilher: (a)a unc-timc�cl�argz for�t7ood sone determitiaYion, cerrifioation nnd tracldng�ervices; or (b) a onafiir�e cliar�e Por tlood zone determinp�tion nnd oarEificalion seiviaes and subsequent chargea ench Lime temappings or aimilar ehanges occur which reasonably might affcct sLicl� determination or certificaYion. Borrower ehall also be responsiblc for tl�e payment of�ny Peas imposed by fhe Fecicral Ei7�ergcuoy Management Agency in comiection with the review of rvYy flood zone cletarmination resulring from�n oUjec[ion by Borrowcr. If L;orrower fails to maintain any of[he coverage;s descrihed above, Lender may �btain iusura�iee coverage, at Lender's o�tion and Borrower's expense. Lender is under no oUligation to pm cl�ase aAiy pu'ticular type or amotimt of coverage. Therefora, such coverage shall cover Lender, 6ut might or mrgltt u�t.protect Borrower, Bocrower'c equiGy in thc Pro}�ctty, or the conteut�s of tha Property, againet zny risk, l��azard or liability and mightprovide greater or lesser coveiageUian Was previously in etfecti. Rorrower aclmowledges lhat Che coet of fl�e iustivvice coverage so oUtainect might signifioavily excecd tl�c cost of insura�ice tl�at Borrower coutd havc oUtainezi. Any amouuts disULu'sed by Lender uuder thie 3ection 5 shall bncomo additioual deUt of' Borrower secured by this Secw�ity Instrume��t. 7'hese ainounta siiall bear interest at Che I�oCe ralo firom the date of disbtuseinent and shall Ue paynble, wich euch intcrest, upon notice froin Lender to Boxrowei requesting payivent. znoozeoa NE�RASKA-Singla Family-Fnnnlo Mae/Fredtlie Mea UNIFORM IN9TRl1M ENT Fo�m 3028 7l01 VM P 0 VM P9(NB)(1'I�6) YVoltera Kluwer Flnanclal Services Paye R af 17