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201502877 required by RESPA, and Borrower shall pay to Lender the amount necessary to inake up the dei`iciency in accardance wsth RESPA, Uut in no inore than 12 inonthly payments. Upon paymeirt in full oF all sluns secured by this Security Instrument, Lender shall proinptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrov�rer s11a11 pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payinants or ground rents on the Property, if any, and Co�iununity Association Dt�es, Tees, and Assessinents, if any. To the extenk that these iteins are Escrovv Iteins, Borrower shall pay them in the�nanner provided in Section 3. Borrower shall promptly discharge any lien which l�as priority over this Sect.0 ity In.struinent unless Borrower: (a) agrees ix�wz•itzng to the payinent of the obligation secured by the lien in a manner acceptab�e to Lei�der, but only so long as Borrower is parfarining such agreemetit; (b) contests the lien in good faith by, or defends against enfarcement of the lien iiZ, legaI proceedings which in Lender's opinion operate to prevent the�nforcement of the lien while those proceeciings a.re pending, but only until sucl�proceedings are concluded; or(c) secures fro�n the holder of the lien an agree��ent satisfactory to Lender subordinating the lien to this Security Instrument. If Leiider deterinines that any part of the ProparCy is subject to a lieii whioh can attain priority ovar this Security Instruinent, I.,ender�nay give Borrower a notice identifying tha 1ien. Within 10 days of tlle date oiz which that notice is giveii, Borrower shali satisfy the lien or taIce one ar more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge far a real estate tax verification and/ar reporting service used by Lender in connection with tl�as I.aan. 5. Property In§�ar�nce. Borrow�r shall keep the improvements now existing or hereafter erected on the Property insured against lnss Uy fire, haz�rds included within the terin"extencied coverage," and any other hazards iiicluding, but iiot liinited to, earChqualces and floods, for which Lender requires insu.ra�ce. T�is insurance shall be maintained in tha amounts (izZclutling deduc�ible levels) and for tl��periods that Lender requires. What Lender requires plu•suant fo the�receding sentences caz�change during the ter�n of the Loai1. The insurance carrier providiiig the insurance shall be chosen by Borrower subject to L�nder's right to disapprove Borrow�r's choice, whicl�rigl�t shalI not Ue exercised utueasonaUly. Lender may require Borrower to pay, in connection with Ehis Loan, eith�r; (a) a an�tizx�e cl�arge for flood zoiie determination, certification and tracking ser�ices; ar{b} a one-tiine charge for flood zone determination and certi�cation services and subsequent charges eacka ti��e rernappings or sit�ilar changes occur whsch reasonably might affect such deterinination or certific�►tion. Borrower sha11 also be res�onsible for lhe payment of at�y fees imposed by ihe Federal�mergency Managc-�nent A�;eilcy in connecCion with the review af any flood zone deterinination resulting from an objection by Barrower. If Borrower �ails ta maintain any of the coverages described above, Lender may obtain insurance coverage, at Letider's optioil aud Borrower's expe�se. Lender is�xnder�o oUligation to purchase any particular type or ainounl of coverage. Therefore, such coverage shalI cover Lender, but inight or inight not protect Borror�ver, Borrower's enuity in tha Prap�rty, or the contents of the Properiy, against any risk, hazard or liability aud might provide�reater or lesser coverage than was pre�iously in effect. Borrower ac�aiowledges that the cost of ihe insurance coverage so obtained inight significant9y exceed the cost of insurance that Sorrower could ha�a obtained. Any ainounts disbursed by Lender under this SecCion 5 shall becnme additional debt of Borrower secured by this Security Tnstrument. These ainounts shall bear interest at the Note rate fram the date of disburseinent and shall be payable, with such interest, upon notice from Lender to Barrower requasting payinenl. 24008390 NE6RASKA-Single Family-Fannie MaelFreddle Mac UNIFQRM INSTRUM ENT Form 3028 1101 VM P p VMP6{NE)(1302J Wolters Kluwer Financial Services Pege 6 oi 17