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201109302 i'equired by R�SPA, and Borrower s11a11�ay to Lander tha ainount necessary to rnalce up the deficiency in accord�nce with RESPA, Uut in no more than 1Z inont171y payinents. Upon payinent iil full of all suins secured by tlus Security Instrument, Lender shall proinptily refund to Borrower any Funds held by Lender. 4. Charges'; Liens. Borrower sha11�ay all taxes, assessinents, charges, rines, and iinpositions attributaUle to the Pro�erty wl�ich c��1 attain pa•iority over tl�is Security Instrument, leaseliold paylnents or giound-rents on the Property, if aiiy, and Corrurninity Associatiion Dues, rees, and Assessinents, if any. To tlie extent that these items are�scrow Items, Bozrower sha11 pay thein in tlie manner�rovided in Sectioil3. Borrower sh�ll proiilptly discha�ge any lien which has priority over this Security Instrument ui�less Bor�•ower: (a) agrees uz writing to ihe paym�nt of the obligation secured by tl�e 1i�n in a manner acceptable to Lender, vut only so long as Borrower is perforining such agreement; (b) contestis tlze lien in goocl faith by, or defencls against enforcement of tlie lien in, legal proceedings wluch ii1 Lencler's opinion operate to prevent the enforceinent of the lien while those proceedings ara pending, but only Lintil such proceeclings are concluded; or(c) secures froin the holcier of the lien�n agreement satisfactory to Lender subordinating the lien to tlus Seourity Instrument. If Lender deterziunes thati any part oF the Property is subject to a lien which cau attain priority over this Seotu•ity Instrumen�, Lender may give Borrower a notice identifying tha 1ien. Within 1�0 days of tlie d�.te on wl�ich that i�otice is givan, Borrower sha11 satisfy the 1ie11 or t�1ce�one or�nore of the actions set fortlz nbove in tliis Section 4. Lender m�y rec�tiire Borrower to pay a one-time c172rge for a real estate tax verii'ication aild/or i•eportiiig seivice�used by T,ender in coluzection with this Loau, 5, Proper'ty Insurance. Borrower shall lceep the improvements now existin�or hereafter erected on tlie Pro�erty insured against loss by i"ire, lilzards included within the tei°in"extended coverage,° 1nd any otlier hazards inclucling, but not limited to, eartlic�ualces and floods, for which Lender iaequires instiu•ance. 'This irisurance shall be inaintained in the a111ounts (inclLtding deducti�ile levels) and for tihe perio�ls that Lender requires. What Lander i�equires pursu7nt to the preceding sentences�an change during the term of the Loan, Tlie insur�nce carrier�roviding tlie insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not Ue exercised tulreasoiiably. Lender may require Borrower to pay, in comlection with this Lo�n, either: (a) a one-tinle cllarge for flood zone determination, certii"ic�tion a�id traclting services; or(U) a one-time charge for flood zone detiermination�nd certification services and subsec�uent charges e�Ii tiine remappings or similar changes occur which reasonably�night aPfect such determination or certification. Borrower shall also Ue responsiUle for the payment of�ny fees im�osed Uy tlle recleral�mergency M�nageillent Agency in comiection witli tlle�'eview of any flood zone deternuilation r•esulting From an oUjection by Borrower. If Borrower fails to inaln�ain any of t11e coverages described above, Lender may abtain insurance coverage, at Lender's option and Borrower's expense. Lalider is under no oUligation to purchase�ny particular ty�e or amount of coverage. Theiefore, such coverage sh�ll cover Lender, but inight or inigllt not protect Borrower, Borrower'�s equity in the Property, or t17e contents of�he Pr�operiy, agaiust any 1•islc, haza�rd or liability and might provicle g��ater or lasser coverage thau was previously in effect. Borrower acicnowledges tha.t tl7e cost of the insurance cover�ge so oUtained iilight significantly exceed the cost oP insurance that Borrower could have obt�ined. Any�mouiits disUursed by Lender under this Section 5 sliall becoine additional deUt of Bos•rower secured by this Security Instrument. These ainounts sha11 bear interest at the No�e r��e fi•om the d�te oP disUursement and shall ve payable, with such interest, upon notice fi•om Lender to Boi�rower requesting payment. 231232 NEBR4SKA-Single Fam Ily-Fannie M aelFreddie M ac UNIFORM INS7RUM ENT Form 3028 1/01 VM P O VM P6(NE)(1105) Wolters Kluwer Flnancial Services Page 6 of 17