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201201254 required by RESPA,and Borrower shall pay to Lender the amount necessary to make up the deficiency in acwrdance with RESPA,but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument,Lender shall promptly refund to Borrower any Funds beld by Lender. 4. Charges;Liens.Borrower shall pay all taxes, assessmeots,charges, fines, and impositions attributatile to the Property which can attain priority over ihis Security Instrument, leasehold paymenta or ground rents on the Property, if any, and Community Asaociation Dues, Fees, and Asaesaments, if any.To the extent that these items are Escrow Items, Boaower ahall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien whic6 has priority over this Security Instrument uoless Borrower. (a)agrees in writing to the payment of the obligation secured by the lien in a manner acccptahle to Lender,but only so long as Borrower is performing such agreement; (h)contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings whicL in Lender's opiuion operate to prevent the enfamement of the lien while those proceedings are pend'mg,but only until such proceedings aze concluded; or(c)secures from the holder of;the lien an agreement satisfactury to Lender subordinating the lien to this Security Inshwnent If Lender determines tGat any part of the Properly is subject to a lien which can attain priority over this Secwity InsYmment, Lender may give Borrower a notice identifying the liea Within 10 days of the date on wfiich that notice is given,Borrower shall satisfy the lien or take one or more of lhe actions set forth above in thia 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 with this Loan. 5. Property Insuranee.Borrower shall keep the improvements now existing or hereafter erected on the Property inswed against loss by fire, hazarda included within tbe term "extended coverage," and any other hazazda including,but nut limited to, earthquakes and floods, for which Lender requires inaurance. This insurauce shall 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 insurnnce carrier providing the insurance shall be chosen by Borrower subjec[to Lender's right to disapprove Borrower's choice,which right shall not be exercised unreasonably. Lender may require Borruwer to pay, in comection with this Loa�, either: (a)a one-time charge for flood zone determination, certification and haeking services; or(U)a one-time charge for flood zone determination and certi&cation services and subsequent charges each time remappings or similar changes ocew which reasonably might affect sucb determination or certi6cation. Borrower shall also be responsible for the payment of any feea imposed by the Federal Emergency Management Agency in connection with the review of any flood zone detnrmination resulting from nn objection by Borrowee If Borrower fails to maintain any of tLe coverages described above,Lender may obtain in.surance coverage, at Lender's option and Borrower's expense.Lender ia under no obligation to purcbase any particular type or amount of coyerage.Therefore, such coverage shall cover Lender, but might or might�ot protect Bnrrower, Borrower's equity in the Property, or the contents of the Property, against any risk,hazard or liabilily and might provide greater or lesser coverage t6an was previously in effect. Borrower acknowledges that the cust of the insurance coverage so obtained might eignificantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbucsed hy Lender under this Section 5 shall become additional debt of Borrower secwed by this Security Insfrument. T6ese amounts shall bear interest at the Note rate from the date of disbursement and s6all be payable,with such interest,upon mtice from Lender to Borrower requesting payment. NEBRASKA-Sinqle FamiN-Fannie MeelFreECle Mac UNIPORM INSTRUMENT � . � � . Forcn 30281N1 VMP� . . VMPB(NE)(1105J W . Wo�krs Kluw¢r Fina�ial Servioea � � Page 8 o/'I7 � � /9 • __