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201210549 required by RESPA, and Borrowar sl�all pay to Lender llie amount uecessery to mnl<e up Ylie deficiency in acoorckl��ce witli RLtSYA, Uut in no more than 12 monthly pa}nnentis. Upon pa5nnent in fidl of all aums eecured by tMs Security Instrument�, I,eucler sl�all promptly rcfimti t'o Borrower any Funcis held by Lender. 4. Charge5; L'lens, Borrower shall pay flll taxes, assassments, cliarges, finas, and in�posiCions a66ributable to thc Property whioh can ektain priority over tlris Secw�ity Ln�h�umeiit, laasehold payn�ents or ground rents on the Properiy, if any, and Coimnaiiry Association llucs, Fee,9, �nd Assessments, iP auy. To the extent tliat Chese items ere Escrow Items, 13oirowcr shall pay 11iem in the manner provided in Section 3. Barrower shall prompYly diecharge any lien �vhich has prioriEy over this Security Instiranent tufless Borrower: (x)agrccs in writing to the pa}nnent o�F the obligation sccin'ed by fhe lien in m m�nnac acoeptabla to Lcnder, but only so long as Borrower is performing eucl�agreement (U) contesCs tihe lien iu good faith by, ar defends againsl enforeeiuent of thc lien in, legel�roceeding�s which in Lender's opinion operate ho prevent tihe anforceinent of thc lien while Chose proceed'ings are pending, but nnly unGl suoh proceedings nre concludcd; or(c) secures fi•om the holder of'the lie�� ai� agreemenf satisfnctoiy to Leuder suUordinating the licii'Co 6his Secuxity InsYrtunenG If Lender dctcrmines that nng part of the Property is sub,ject to a lien which can n[tnin priority over Clris Secw'ity Tnstr'umenf, Lencler may give Borrowex a notice idcnfifyivg Ihe lien. Within 10 days of the date on wl�ich Uiat notioe is givev, Borrower shall aatisfy the lien or tnke one or more of tihe actions yet forth a6ove in this Section 4. Lender may requirc Borrower to pny n one-time charge for a rea1 cntato lax verification and/or reporting scrvicc used by Leuder iu colmection with this I.oan. 5. Prnperty Insurance. Borrower shall keep the improvements now existing or hereafter erected on Uie Property insured against loss Uy firc, hez�rds included within flie term "extended covoregq" and any other hazards inchtding, huC noC liinited to, eazthquakes aud Hoods, for which Lender reqLuxes iusur�nce. This insurance shall Ue maintained in tha amonnCs (inclLiding deduocil�le levels) end for the periods thaC Lender requires. What Lender requires pursLizmt to thc�receding senYeuces cen ol�ange during flie term oF t17o Loan. The inem'anca carrier providing tUc insurance shall be choseu Uy Borrower suU,ject to Lendor'e right Co disa}�prove 13orrowe��a choioe, which right shall not be exercised uan�easonably. Lcnder may xeqnire 13orrower 6a pay, in connection wiYh tl�ie Loan, eiflier: (n) tt�ne-Nnie ch�rge for flood zone determination, cextificA�Yion and t�e�cicing ecrvices; or (b) a one-time charga for flood zone dete�mination aiid eerlifioation servicos and subsequent chfuges ench tuna remappings or simi1ar clxanges occn�which reasonahly miglrt affeot suoh detennint�kion or certifioation. Sorrower shall also be respovsible for the paymeut oP any fees imposed by t7ie �ederal L-�morgency Nlnnageinent Agency in connectiion with the review of any floocl zone dctcrminaCion resulting from an objection Uy Bbrrower, If Rorrowcr Cails to main[ain nziy of the coverages descriUed above, Lcnder may ohtain insuranoe oovernge, �t L,onder'0 option mid Borrower's expense. Lender is uudor i�o obligaCion to purchnse nny pnrtictiilar type or amoimC of coverage. ThereFore, such coverage shall cover Lender, buC might or might not protect Borrower, Borrowor's equitiy in Ihe Property, �r flie contenhs of the Piroperty, �tgTiust any cisk, hazard or liability and inight provide greater or lcsser covernge thnn wes previously in eftec[. Borrower ac1rnowlcdgcs fhat Che oost of the inai�ranoe oovex¢ge su obtained might siy�ificant1y oxccai the oosC oP insurance that Borrower could have Qbtained. Any ainounts disULuscd Uy Lencler under this Sectioi�5 ehall become additiional debti of Rorrower secitted by this Secnrity Inshumenk These ainounts sball bear interest at thc Noto ratc fi�om fhe c1nCe of disbursement and shall be pa�yable, with siich interest, upon nolioe from Lender to Borrowec requesting payinent. saooaoon NEBR4SKA-Slnqle Family-Fennie PdaelFretldle biuc UMFORId INSTRLIM[NT Form 3020 1101 VM P O VM PB(NE)(11051 W ollars Kluw sr Flnanolal Sarvlaas PaBe 6 af 17