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2012�349� required by RESPA, and Borrower 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 Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, chazges, fines, and impositions attributable to the Properly which can attain priority over tlus Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, F�s, 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 dischazge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation s�ured 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 proceedings are pending, but only unril such proccedings are concluded; or (c) secures from the holder of the lien an agre,ement saLisfactory to Lender subordinating the lien to tlus 5ecurity Insm�ment. If Lender determines that any part of the Property is subject to a lien which can attain priority over this S�urity Instrument, Lender may gve Borrower a notice identifying the lien. Wit�n 10 da.ys of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the ac�ions set forth above in this Section 4. L.ender may require Borrower to pay a one-time charge for a reat estate tax verification and/or reporting service used: by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now e�g or hereafter erected on the Property insared against loss by fire, hazards included wittun the tern� "extended croverage," and any other hazards iucluding, but not limited to, eatthquakes and floods, for vvhich T.euder requires iffiurance. Ttris inscirancs shall be maintained in the amounts (including deducri'ble Ievels) aad for tfie geriods that L.ender requires. What I.ender requires pursuaut to the pr�;eding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subje,�t to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connecrion with this Loan, either: (a) a one-time charge for flood aone determination, certification and tracldng services; or (b) a one-time charge for IIoad aoae determinatioII and certification servic�es and subsequent charges each time rema.ppings or simil� changes occur which reasonably might affect such determination or certification. Bonower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Bonower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligarion to purchase any particulaz type 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, ha�ard or liability and might provide greater or lesser coverage than was previously in effect. Bonower aclmowledges that the cost of the �n��rance coverage so obtained might significantly exc,ced the cost of insurance that Borrower could have obtained. Any auiounts disbursed by Lender under this Section 5 sha11 become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon norice &om Lender to Bonower requesting payment. NEBRASKA-Single Family-Fannie Mae/Fr�die Mec UNIFORM INSTRUMENT VMP � Wolters Kluwer F(nancial Services Form 3028 1/O7 VMPB(NE) (1105) Page 6 of 17