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201108381 required by RESPA, and Borrower sha11 pay to Lender the amount necessary to malce u�the deficiency iii accordance with RESPA, b�tt in no more than 12 monthly paymen�s. Upon payment in full of all sums secured by this �ecurity Instrament, Lender shall promptly refund to Borrower a1ry runds held Uy Lender. 4, Ch�Y'ges; Lien�. Borrower shall�ay a11 t�es, assessm�nts, chargas, fiiies, and in7positions attriUutable to the Property which aan attain priority over tihis Secui'ity Instrtinlent, leasehold paymentis or ground rents on the Property, if any, and Comi�7uiiity Association Dues, I�ees, and Assessments, if any, To the extent that these items are Escrow Items, Borrower shall pay thesn in ih�mazuzer provided in Section 3. Borrower shall promptly discharge any lien which 17as priority over this Securi�y Instrument ui�less Borrower; (a) agrees in writing to the payinent of the oUlig�tion secured Uy the lieii in a manner�cceptaUle to Lender, but oilly so long as Borrower is performing sucll agreement; (b) contests the lien in good faith Uy, or defends against enforcenlent of tlie lien in, legal��roceedings whicli in Lender's opinion operate to preven� the enforcement of the lien wllile those proceedii�gs are pending, but only until such proceediiigs are conclucled; or(c) secures froin�he holder of�the lien an agreement satisfactory to Lender subordin�ti��g the liel�to tlus Sectirity Insti•ument. If Lender determines�hRt any part of the Propertiy is subject tio a lien whiali can att�in priority over this Security I�istrumeizt, Lender inay give Bort-ower a notiee iclentif�ing the Iien. Withui 10 days of the clate on which th2t�otice is�given, Borrower shall satisfy the lien or talce one or more of the actions set foiath above iiz this Section 4, Lender may require Borrower to�ay a one-time charge for a i�eal esiate tax vei•ification asrd/or reportillg service Lised by Lender in conuection with tliis Loan. 5. Property Insurance. Borrower shall lceep the iinprovem�nts now existing or hereafter arected ori the Property insurad against loss l�y�re, haaas•ds inclucled within the terin"�xtended coverage," and any other hazards including, but not liinite�to, oarthqtiialces and floods, for which Lender reqt�ires insurance. This insurauce sh�11 be maintaiiled iri the amounts (iiicluding deductiUle 1evels) anc�for the periods that Lender requires. What Lender requii�es pursLtant to the preceding sentences can ch�nge during the terin of the Loan. The insur�nce carrier providing tlle iizsuraiice sllall be chosen Uy Borrower suUject to Lender's right to dislpprove Borrower's choice, wluch right shall not be exercisecl unreasonably, Lender m�y require Borrower to pay, in conilection with this Lo1n, either: (�) a one-tiine chai'�e for flood zone�letermination, cer�ification ancl tiracicing services; or (b) a one-time charge Cor�7ood aone determinatiorllnd certi�cation services and subsequent oharges eacli time reinappings or similar c7lan�as occtiu•which reasonably inigh� afFect such detei711ination or certificatioi�. Boi�rower sh�11 alsa be responsible for the payment of any Pees irnposed Uy the Feelel'al��nergency Manageinent Agency in oonnection with the review of a�iy flood 2one determination resulting froi�a11 ol�jectioii by Borrower. Tf Borrower f ails to maintain aiiy of the coverages clescribed above, Lender inay obtain insurfl.nce coverage, �t Lender's o�atian and Boi•rower's expense. Lender is under no obligation to purchase any particulaa•type or ainount oi'coverage, Therefore, such coverage shall cover Lellder, but inight or 1z�ight not protect Borrower, Borrower's eqttity in the Property, or the coirtents of the Property, against any ri�slc, haz�rd or liability aud rnight provide greater or lesser coverage tha�i was previously in effect. Borrower�cicnowledges that th�cost oL th�insui•ance coverage so oUtained might significantly exceed the cost of insura�ice that Borrower could have obta.ined. Any�n�oLUits disbursed Uy Lender under this Section 5 shfl11 l�ecome aclditian�l deUt o� Borrower seciu�ed Uy this Security Instruinent. These a7noiults shall belr interest at�he Note rate fi�om the date of disbitrseineiit�nd shall�e�ay2ble, with such interest, titpon notice�fi•om Lender to Borrower requesting payment. , NEBRASKA-SIn le Famll -Fannle MaelFreddie Mac UNIFORM INSTRUMEN7 231205 VMP O g Y Form 302a 1I01 Wolters I<luwer Flnancial Services VMP6(NE)(1106) Page 6 of 17