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20�20140� required by RESPA, and Bonower shall 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 Instrutnent, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Cha�ges; L(ens. Bortower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Inshvment, leasehold payments or gcound rents oa the Property, if any, and Community Association Duea, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Secutity Instrument unless Bonower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (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 proceedinge are pending, but only until such proceedings ate concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instnunent. If Lender determines that any part of the Property is subje,ct to a lien which can attain priority over this Security Instrumeat, Lender may give Bonower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borcower shall eatisfy the liett or take one or more of the actions set forth above in this Section 4. Lender may requue Borrower to pay a one-time charge for a r�l estate tax verification and/or reporting service used by Lender in connecrion with tivs Loan. 5. Property Insurance.Borrower shall keep the improvements now existing or hereafter erected oa the Property insured against loss by fire, hazards included within the term "extended coverage,° and any other hazards including, but not limit�i to, earthquakes and floods, for which Lender requires insuiance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the prexeding sentences can change duting the term of the Loan. The insurance carrier providing the inswance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower 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 similar changes occur which reasonably might affect such determinarion or certification. Bortower 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 determination resulting from an objection by Bortower. If Borrower fails to maintain any of the coveiages described above, Lender may obtain insurance coveiage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of covetage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Ptopetty, or the contents of the Property, against any risk, hazatd or liability and might provide greater or lesser coverage than was previously in effect. Borrower ackaowledges that the cost of the insurance coveiage so obtained might significantly exceed the cost of insutance that Bortower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Boaower secured by this Security Instrument. These amounts shall bear interest at the Note rate &om the date of disbursement and shall be payable, with such interest, upon norice from Lender to Borrower requesting payment. NEBRASKASingle Femily-Fennie Mae/Freddie Mac UNIFORM INSTRUMENT �� ro� Wol��s Kluwer Financial Services VMPB(NE) (1106).00 Paga 8 of 17 � (