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201209152 required by RESPA, and Borrower shall pay to Lendei fhe amatiint necessary fo n��lce up thc deficiancy in accordance with RP,SPA, hut in no more than 12 monthly paymente. Upon payineiiY ist fiill of all sums secLxred by Y1us Security InsCruinant, Lender shall promptly rcftmd to Bon ower en��unds held by Lender. 4. Charg�+s; Liens. Barrower ahall pay all taxes, assaesments, chnrges, fines, and iini>oeitions atfriUueah1e to the Property which can�Ctain priority over Uiis Sccuiity Instcument, leasehold��ayments or ground rentie on the Property, i�P amy, and Commuuity Aesociation Dues, N'ccs, azzd Assesaments, if any. 'I'o the extent tbat tliese iteins are Escrow ICems, Bon ower shall pay them in Ehe manx�er}�rovic7ed in Saction 3. Borrower sha11 promphly diechargo any lien wlrich has priority ovcr this Secw�ity Inshnmen6 unlrss Borrower: (a) agrees iii writing to the payn�enif of thc oUligation secured by tfie lie�� in a inaiuier acoeptAbla to Lender, l�ul�mly so loiig as Borrower is perfonning sudi a�ree�nent; (b) contes[a fl�e lie�i in good laith by, or defends against enforceine�iY of tlie lien in, legal prooeedings which in Lender's opinion operatc to preventi the enforcement oF Che licn whilc thoee proceedings are panding, but only until such pi�oceedings arc concluded;�oc (c) secures froni the hold¢r of the lien an a�greemexit satisfactory to I.ender subordinariug fho lien to tl�is Security Inst��tunent. If Lender cie��erinincs thxt any paa�t af'the ProperLy ie subject to a lien which ctiu ettain priority over thie Secnrity Instrument, Lender n�ay b+ive I�orrowar a notice idenfifying thc lien. Within 10 days of the dale�n wlirch that notice 'ts giveli, Boirower ehall seitisfy the lieii or tnke one or n�oro of Nio xctions set fbrth above in this SecCion 4. Londer inay require Borrower to pay a one-Liino charge for a real estate tnx verilicarion antl/or reporting seroioe usod by Lender in oomiection with thie Loan. 5. Property InsuranCe. Borrower shall keep thc improvements now existing oc hereaffer crected on the Pmperty iiieurcd ag�inst loss by Fire, hazaxds included witl�in the te�m"extended coverage," and ai�y other hzz�rds including, Uut not 1imited to, eartliqutckes andfloods, for which Tznder requires insLarance. This insurauce shall be m�intaL�ed in tlie amoimfs (inclucling deductible level�s) ai2d for the periods Yhat Lznder cc�uires. What Lender requires pureu�uU to the prcceding sentencas can change during tihaterm of the Loan. Tha insnranoe carricr providing the insurance ahall be ohosen by Sorrower enbject to Lendei°s righC to disapprove Borrower's choioe, wliicl�vight s6a11 not be axercised nnreasovaUly. Lender inAy require Bomowcr to pay, in connectiou tvith tlne Loan, citkror: (�) a one-tima ohar�;e fox flood zone determination, certifioation fmd tracking serviccs; nr(b) a on�time charge fox flood zonc determinetion tuid certificakion services and subsequent chaiges enoh Cime romappings or similu� changes oocm-whicU reasouaUly might affe,�;t such determina�Cion or certificntion. Borrowcr el�all aleo be responsible for the paqrnent of any fees rmposed Uy tUo b'cdernl$margenoy Mwngement Agenoy in sonnection with tlie review of any Plood zone detei•minarioti resulhing from an o�jection by Bonrower. If Borrower lails to mainfaiil auy of'Uie coverages described abovo, I,encler may obtAin insurance eoveruge, at Lendar's optiou and Bormwer's expense. T.,ender is under no oUligation to purchase any parCicular type or �unoLmt of coverage. Thei�efore, such coverage shall cnvcr Lender, Uut nught or might noC protcct Sorrower, Borrower'e equity iii thc f'roperty,.or t1�e conkents of Hie Properly, aga'rnyt any risk, hnzaa•d or liability and inight pirovide greAter or lesser coveraga than w4s previously in effect. Borrower aclrnowledges that the cost of flte insuremoe coveraga so obYained might signif u�ntly exceed the cosY of insurnnce fhat Boi•rower could have obtained. Any arnomrt�disbursed by Lender under lhis 8cction 5 sha11 become addirional debl� of Borrower seonreci by �l�is Security Inst�iuneut. These amounts shall bear intorest at 11ie Note r�te from the date of'disbursement�nd shall be payaUle, with such interest, upou trotice firom Lcnder to Borrower requesting pa�menti. 2Ao0263M1 NEeRhSKA-Single Famlly-Fannla MaelFreddle Mno UNIFORM IN3TRUMENT Form 8�28 1701 VMPp VMPB�NE)(1106) Woltere Kluwer Flnanoiel5ervlces vege 8 af 17