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201107752 required by 1tESPA, and Borrower shflll pay to T.ender tha nmount nocessary to mnke up the deficieucy in acoordnnce with Ii�5PA, btrt in no inare than 12 monthly paynianfs. Upon payment in fiill of all sums seoured by this Security Instniment,Lender shall prornptly refund to Bottower any Punds held by Lendcr. 4. Charges; Liens. Botrower shall pay all taxes, assessments, oha�•ges, fhies, and impositions ntLributaUle to Che Propert�y which can attain priority over tlils Securiry Histrument,leasehold payii�cnts or ground revts on � Yhe Property, if any, and Community Aseociation Duas, Fees, and Assesementa, if any. To fl�e extent thnC these iCeins arc L�.scrow Items, Borrower shall pay them in the mamler provided iu Section 3. Borrower sha11 promptly discharge any lien which has prioriCy over this Seeurity Lnstrmnent unless Borrower: (a) �grees iii writing to tihe p�yment of ftia oU1igaCiou secured Uy the lian in a m�mier acceptaUle Co T,ender, but only so ]ong nr Borrower is perfoxtning auch a��eement; (b) contests tl�e lien in good faitli by, or defcnds agaii�st enforcemeut of lhe lien in, le�;al proceedings which in Lender's opinion oparatie to prevent the enforcemenf oF Lhe lien while Uiase proceedings are pencling, l�uC only mrtil sucli proceedingn are concluded; or(o) seeures fi�om fhe holder of Yhe lieu an agreement satisfacCOiy to Lender suUordina6ng the lion to thiy Sacui'ity Iasfrniiienk If Lendcr deterinines that nny part of the Property is eubject tio a lien wlvch oan aClain priority over this�Sacurity Insttmncnt, I,ender may give Borrower a notioe iden�ifying the lien. Within 10 cinys oP llle date on which diat notice is grvon, Borro��er shall satisfy the lian or tal<e one or more of tlxe actions set forth above in tlns Section 4. Lender may rnqtiirc Sorrower Yo pny a one-�ime charge For a reAl asLate Cax verification ancUor reportiug service used by Leuder in connection wiYh this Loan. 6. PropeYty Insul'anCe, Borrower shall keep the improvcments now existing or hereafter erecteci on U�e Property insured against lnse Uy firc, hazards included within fhe term"extendeal covcrage," and uiy olhcr hazarde inclndrng, bnt not limited to, earthq�ixlces and lloods, for which Lencler requires ius�uance, Thia uisurance shall be maintained in the aanounts (uicludit�g deductible leve7s) and fbr tilia periods that Lender requires. Wl�at Lender reqnires pursnant to Yhe preceding scntences can elinuge duiing the term of the Loan. 1'lic insutance cv'rier providing Lhe ina�u�ance shall be cliosen 6y&ierower subject Co Leudar's right Co clisa,pprovc Bon�owcr's choiee, wfiich iigh4 e7�al l noC be exeroised nnrexsona�bly. Lender mny roquire Sorrower to pay, in corn�ection witli thie Loan, oither: (a) a one-time oharge Por flood zona deCerminatic�n, certification vid tracking aervices; or(b) a ona-time chnrge for f7ood zone deteiviin2lion and carCific�Hon servioes anci suUsequent charges ench time romappings or sitnilar ol�anges occur whioh reasonaUly might atfect such determin2�ion or certi�fica4ion. Barrowcr sl�all also be responsiblo fa�the payment of any foes rinposed Uy the Feder�l L�mergenoy MaiiageinenY Agency in connecCion�uith the rovicw of aaiy lood zono delern2inatiori resulting fi�oin �.n o6jection by I3orrower. If Borrower fails to tnaintain any of Lhe cover2ges described abova, Lender inay oUtain insurance coverage, a�t Lendex's op�ion azid Borrower's axpense. Lendcr rs timder no obligaCion to purchase avy parlicnlar t�e or atuotmt oY'covei•�ge. Thereforq sLich coverago ahall eover Lender, but tnighC or inight not protect Boi�rowar, Borrower's equiCy in the ProperLy, or the conCentis oP Y1ie Proparty, againet any rislc, hazard or liaUility nnci might provide gi•eutcr or lesser coverage than was previously in ePfect. Rorrower aolrnowledgos d�at the cost of the insnrance coveragc so obtiained mighC significanEly exceed the cost of insttrance that Borrowc�'cotild have obtained. Any amounte disUnrsed Uy Lender under thie SeoCiou 5 ehall bc come addiuonal debC aC Bonower secured Uy Chis 9ecnriry lnstrumenC. These tunounts sl��tll 13ear intereae at the; Note ratie fi�om the date oP disl�urse�ncnt and eha11 be payable, wifh such inCerest, npon notice from Lender to Borrower requesting payment. 231191 NEO�ASKA-Single Family-Fannle Mee/Fretltlla Meo IINIFORM INSTRUMENT Form 3�28�l�1 �MP� VMP6(NE){1'10G) Wallers Kluw e�Flnancial Sarvices Fq�e fi of 1]