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201200163 required by RESPA, and Bonower sha11 pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Se,curity Instrument, Lender shall promptly refund to Bonower any Funds held by Lender. 4. Charges; Liens. Bonower sha11 pay a11 taxes, assessments, charges, fines, and impositions amibutable to the Property which can attain priority over this S�urity Instrument, leasehold payments or ground rents ott � the Property, if any, and Community Association Dues, Fees, and Assessments, if any. �'o the extent that these items aze Escrow Items, Bonower shall pay them in the manner provided in Section 3. Bonower shall promptly discharge any lien which has priority over this Security Instrument unless Bonower: (a)agrces in writing to the payment of the obligation se,cured by the lien in a manner acceptable to Lender, but only�so long as Borrower is gerforming such agre.ement; (b)contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent � the enforcement of the lien while those procezdings are pending, but only until such proceedings aze conclude�; or(c)secures from the holder of the lien an agre.ement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which • can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. . Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in tlus S�tion 4, Lender may require Bonower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in conn�tion with this Loan. 5. Property Irisurance. Borrower shall keep the improvements now existing or hereafter ere,cted on the Property insured against loss by fire,hazards included within the term "extendefl coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance sha11 be maintained in the amounts(including deductible levels)and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subj�t to Lender's right to � disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Bonower to pay, in connection with this Loan, either: (a)a one-time charge for flood zone determination, certification and tracking services; or(b)a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similaz changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any fload wne determination resulting from an objection by Borrower. If Bonower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender,but might or might not prot�t Bonower, Bonower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acl�owledges that the cost of the insurance coverage so obtaine�l might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts sha11 bear interest at the Note r�te from the date of disbursement and sha11 be payable, with such interest,upon notice from Lender to Borrower requesting payment. NEBRASKA-Single Family-Fannie Mae/Fr�die Mac UNIFORM INSTRUMENT Form 3028 1lO7 VMP� Wolters Kluwer Financial Servicea • VMPB(NE)(11051.00 Page 8 of 17