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201503433 required by RESPA, and Borrower shall pay to Lender the azx�.ouxtt necessary to make up the deficiency in accordance wit�RESPA, but in no more than 12 mon#hly payments. Upon payment in fixll of all sums secured by t�is Security Insirument, �,ender shall promptly refund to Borrower any Funds held by Lender. 4. Charges, Liens. Borrower shall pay all taxes, assessznex�ts, charges, fines, and ixnpositions attributable to the Property which can attain priarity aver this Security Instrument, leasehold payments or ground rents on the Properiy, z£an.y, and Comxnwaity Associa�ion Dues, Fees, and Assessments, if any. To the extent that these items are Escrovv Items, Borrower shall pay them in the manner provided ir�Sectzan 3. Borrower shall promptly discharge any lien wluch has praoraty over this Security Instrument unless Bo�ower: (a) agrees in writing to tkae payznen#of the obligation secExred by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreemexat; (b) con.tests�tize lie�t in good faith by, or d.efends against enforcement af the lien in, legal proceedings rvhich in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pandiz�g, but only until such proceedings are concluded; or(c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the liez�.to#k�is Security Znsirument. Z£�.exzd.ez d.etezx�ines that any part of the Property is subject to a lien which can attain priority over tl�is Security Instnunent, Lender may give Borrower a no�ice iden�i£ying the lien. Within 10 days of the da#e on which that notice is given, Borrower shall sarisfy the lie�or take one or more of the actians set for�h above in this Section 4. r,ender may require Borrower�o pay a on�time chzrge for a real estate tax verificatian and/or reporting service used by Lender in connection witi2 this Loan. 5. Property Insur�nce. Borrower shall keep the improvements now existing or hereafter erected on the Property ins�ed agai�nst loss by fire, hazards included within the term"extended coverage," and any other hazards i.ncluding, but not limited to, earfhquakes and floods, for which Lender re�uizes insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lend.er requixes pu�rsuant to tkze pz-eceding sen#ences can change during the term of the Loan. �'ha insurance carrier providing the insutance shall be chosen by Sorrower subject to Lender's rigbt to disapprove Borrower`s choice, which right sha11 not be exercised unreasonably. Lender may require Borrower to pay, in connectiozz wzth this]Loaxz, eitk�er: (a)a one-�tiune charge for�.00d zome detezxxu.nation, certification and tracking services; or(b) a one-time chacge for flood zone determivation and certifica�ion services and subsequent charges each time remappings or si�nilar changes occur which reasonably might affect such deteranination or certification. Borrawer shall also be respansible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zo�e determination resulting frozn an objection by Borrower. If Borrower fails to main.tain.auy o£the coverages describecl above, Lender may obta.in insurance coverage, at Lender's op�ion and Borrower's expense. Lender is under no obligation to purchase any particular type or amounY of coverage. Therefore, such coverage shall cover Lender, but might ar might not protect�ozrower, Borrower's equity in the Prop�ty, or the contents of the Property, against any risk, hazard or liability atid mi.ght provide greater or lesser coverage than was previously in effect. Borrowez-ac�owledges that the cost of the insurance coverage so obtained might significan#ly exceed t.�.e cost of insurance that Borrower could have obtai�.ed. Any amounts disbursed by Lender under t�tis Section 5 shall become addaitioxxal debt of Borrower sec�rred by this Sacuz-zty�nstrument. These amounts shall bear interest at the Note rate from the date o£disbursement and shall be payable, with such interest, upon notice from Lender to Bon-owe�r requesting payment. 24008522 NEBR45KA-S[ngleFamfly-FannieMaelFreddieMacE1N[FDRM INSTRUMENT Porm30281/0'1 VMP 7 VMP5(NE){'1302} Wolters Kluwer Rnancial Services Page 6 pf 17