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201200610 required by RESPA, and Borrower 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 Security Instivment, Lender sha11 promptl}r refund to Borrower any Funds held by Lender. 4. Charges; Liens. Bonower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this S�urity Instrument, leasehold payments or ground rents on the Property, if any, and Community Associarion Dues, F�s, and Assessments, if any. To the extent that these items aze Eserow Items, Bonower shall pay them in the manner provided in Section 3. Borrower shall promptly dischazge any lien which has priority over this Security Insixument unless �rrower: (a) agr�s in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Bonower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings wluch in Lender's opinion operate to prevent the enforcement of the lien while those proc.eedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Praperty is subject to a lien which caII attain prioriry over this Security Instrument, Lender may give BorrFaw� a notice identifying the lien. �N'ithin 10 days of the date on which that norice is given, Borrower sha�I saxisfy the Tien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate ta� verification and/or reporting service used by Lender in conn�tion with this Loan. 5. Property lnsurance. Borrower shall keep the improvements now existing or hereafter ere,cted on the Property insur� against Ioss by fire, hazards included within the term "extended caverage, " and any other hazards including, but not limited to, earthqua.kes and floods, for which Leltdet tequires �nc�iran�. �is ;n�,�r�ce shall ix maintained in the amounts (including deductible levels) and for the periods that I.ender requires. What Lencier requires pnrcLant to the preceding sentences can change during the term of the Loan. The insucance carrier providing the �nc�„�r,ce shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. L.ender may require Borrower to gay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certificarioa and tracking services; or (b) a one-time charge for fload zone determination and certification services and subsequent charges each time remappings or similaz changes a;cur which reasonably might affect such determination or certification. Bonower shall also he responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connecrion with the review of any flood zone deternunarion resulting from an objecrion by Borrower. If Borrower fails to maintain any of the coverages described above, L�ader may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular tyge or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, 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. Bonower acl�owledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disburs� by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These aznounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Bonower requesting payment. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/O1 VMP � VMP8INE) (1705) Wolters Kluwer Financial Services Page 8 of 17