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�0��0091� required by RESPA, and Borroever sh�ll pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly pay�ments_ Upon payment in fiill of aU sums secured by this Security Unstrument, Lender shail prompfly refnnd to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shali pay atl taxes, assessments, charges, fines, and impositions atfributable to the Property which can attain priority over this Security Imscrument, leasehold payments or ground rents on the Property, if any, and Cammuaity A.ssociation Dues, Fees, and Assessments, if any. To th.c extent that thesc items are Escrow Items, Borrower shall pay them in the manzter pravided in Section 3. Barrower shall promptly discharge any lien which has priority over this Security Iustrum.ent ualess Borrower: (a) agrees in wxiting to the paynnent af the obligation secured by the lien in a manner accepfable tn Lender, but only so iong as Borrower is performimg such agreement; (b) contests the lien in goad faitii by, nr.defends against enfarcement of the lien in,legal proceedings which in Lender's opinion operate to prevent the enforcement of tbe lien while those proceedings are pending, bnt only until such proceedings are concluded; or (c) secures from the holder of tYie lien an agreetnent satis£actory to Lender subordinating the Iien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain prioxity over this Security Inshwneat, Lender may give Boxzower a notice identifyin:g tb.e Iien. Within i0 days of the date on which that notice is given, Barrower shall �tisfy the lien 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 tax verification and/or reporting service used by Lender in connection witl� this Loan. Pt'opertylnsurance.Borrawer shall keep the improvements now existing ar hexeaf'ter erected on the Property insuzed against loss by fire, hazards included within the term "extcnded eoverage," and any ather hazards including, but nat Iimited to, earthquak�s and floods, for whick Lender requires in.surance. This insurance shall be maiutained in the amaunts (including deductible levels) and for Yhe periods that Lender requires. What Lender zequizes pnrsuant to the preceding sentences can change dnring the te�rnn of the Loatt. The insurance carrier providing the insuranae shall he chosen by Bonower subleet to Lender's ri�ht to disapprove Borrower's choice, which r'tght shatl not he exercised unreasonably. Lender may require Borrower ta pay, in connection witl� this Loan, either: (a) a one-time charge for flood zone determination, certificarion and traclang serviees; or (b) a one-time charge for flood zane determination and cerlification sezvices and subsequent charges each time remappings or similar changes occur wtuch reasanably might affect such determinarion or certification. Borrower shall also be responsible for the payment of a.ny fees imposed by the Federal Emezgency Managemient Agency in connection with the review o£ any flood zone determination resulting &om an objection by Borrawer. If Borrower fails to maintain any of the covera.ges described above, Lender may abtain insurance covexage, at Lender's option and Borrower's expense. Lender is under no obligation to gurchase any particular type or amount of coverage. 'Therefore, such coverage shall cover Lender, but might ar might not protect Borrower, Bonrower's equity in the Property, or the contents nf the Property, against any risk, hazard or liability and might provide greater or lesser caverage than was previously in effect. Barrow+�r acknowledges that the coat of fhe imsurance covezage so obtained might significantly exceed the cost af insurance tl�at Borrower could have obtained. Amy amounts disbuxsed by Lemder under this Scctian 5 shall became additional debt of Bonower secured by this Security Instzument. Thcse amounts shall bear utterest at the N'ote rate from the date of disbursement and shall be payable, with such infierest, npon notice from Lender ta Borrower requesting payment. NEBRASKASingle Famity-Fanrtte MaelFredda Mac UMFORM IN37F2UMENT Form 30281/U1 VMP � VMP6(NE) (11067.00 Wolte�s Klwrar Finencial Servicas Page 8 oP 17