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201201532 required Uy RESPA, and Bonower shall pay to Lender the amount necessary to make up the deficiency in accordance�vith RESPA, but in no inore thau 12 mouthly paymeeits. Upon payment in full of all smns secured by this Security Insh�ament, Lender shall promptiv refund to Sorrower any Funds held by Leuder. 4. ChBrges; Liens. Borrower shall pa}�all taxcs, assessments, chazges, fines, and impositions attributablc to the Property which can attain priority over this Security Instrument, lcasehold payments or�-ound rents on the Property, if any, and Cominunity Associarion Dues, Fees, and Assessments, if any. To the extent that these iteins are E&crow Items, Bonower shall pay them in the manner providec�in Secfion 3. $orrower s1�a11 promptly discharge any lien which has priority over this Secnrity Inshument unless Borrower: (a) aa ees tn writiag to the payment of the oUligation secured by khe lien in a manner acceptable fo Lender, but cnly so lang as Borrower is pesfarmtng such agrceinent; (b) Gontests the fien va good faith by, or defcnds against enforcement of tlie lien in, legal proceedings which in Lender's opinion operafe to prevent the enforcement of the lien while those proeeed'ngs aze pending, but only until such proceeding$arc . concluded; or(c) secures from the hold.er of thc]ien an agreement satisfactory to Lender subordinating the lien to this Security ItL.tnunenC If Lender determines that any part of the Property Is subject to a lien whieh can attain prioiity over this Sectu�ity Instrnment, Lender may give�orrower a norice idenfifying the lien. Within 10 days of the date on which that noCice is given, Borrower shall satisfy the lien or take one or more af the acrions set forth above in This Section 4. Lender may require Borrower to pay a on�time charge for a rzal estate tax verification and/or reporting senrice used by Lender in connecrion wifli this Loan. 5. Property Insurance. Borrower shall keep the improvements now cxisting or hereafter erccted on the Prpperly insured a�inct loss by fire, hazuds included within the term"extended coverage," and any oY7iet hazards including; but not lunited to, earthquakes and floods, for which Lender requires insurance. This insurance sha11 be maintained in the amounts(inchuiing deducfible levels} aud for the periods that Lender reqciires. What Lender requires pursuant to the preceding sentences can change diuing the term of the Loan. The insurance carrier providi.ng the insurance shall be chosen by Bonowcr subject to Lender's right to disapprove Borrower's choice, wl�ich right shall not be exercised unreasonably. Lender may requira Bonower to pay, in connection with this Li>ui, eitlier. (a) a one-tune charge for flood zone dctermination, ccrufication and fracking serviccs; or(b) a onatime charge for flood zone detennination and certification services and subsequent eharges each time remappings or simi7ar changes occur which reasonably might affect such determination or eertification. Borrower shall also be responsiUle for the payment of any fees ixnposed by the Federal Emergency Management Agency in covneerion with the rzvLew of any flood zone detcruunation resulfing from an oUjection by Borrower. If Borrower faiLs co inaintain any of the coverages described above, I,ender may obtain insur�nce coverage, at Lender's option and Bo�ower's c�ense. Lendei is uader no obligation to�urchase any particular type�r amount of covaage. Theizfore, such coveiage shall cover Lender, but nught or might not protect Barrower, Borrower`s equity in the Property, or the contents of the Properry, agaiust any risk, hazard or liability and might provlde greater or lesser coverage than was previously in effect Borrower acknowledges that Ute cost of the insurance coverage so oUtained mi�ml�t significantly exceed the cost of insurance that Borrower could � have obtaincd. Any amounts di�bursed by Lcnder under this Section 5 shall become additional dcbt of Borrower secured by[his Sec;LUity insuzuuent. These unounts shall bear interest at The Note rate from the date of clisULU-sement and shall be payable, ��ith such interest, upon nolice from Lender to Borrower requesting papmeat. 24004422 NEBRASKA-Singls.Family-Fannie A7 aelFretltlle f�1 ec UNIFORbI INSTRUM ENT Form 3026 1!01 VMP(ql VMPG(NEJ(1105) VJOlte�s Kluw et Fi�ancal Services Paqe 6 of 11