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20�20476� 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 se,cured by this Security Instrument, Lender sha11 promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Bonower shall pay all taxes, assessments, charges, fines, and imposirions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Properiy, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items aze Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (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 perfomung 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 until such proceedings aze concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien. to this S�urity Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that norice is given, Borrower shall satisfy the Iien or take one or more of the actions set forth ahove in this Secrion 4. I.ender may require Borrower to pay a one-time charge for a real estate tax verifc�tion and/or regorting �rvice used by Lender in coffiectiion with ttus Loan. 5. Property Insurance. Barrower shall keep the impmvements now e�eisting or he�.fter erected on the Property insured against loss by fire, hazards include� within the term "extend�i coverage," and any other hazazds including, but not limited to, earthquakes and floods, for wlzich I.ender requires insurance. This insurance shall be maintained in the amounts (including deductible leveIs) and for the periods that I.�nder requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance cazrier providing the insurance shaU be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. I.ender may require Borrower to pay, in conne�ction with this Loan, either: (a) a one-time charge for flood zone c�etermination, certificarion and tracking services; or (b) a one-time charge for IIood zone ctetermination and certification services and subsequent charges each time remappings or similaz cbanges occur �vhich reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in conn�tion with the review of any flood zone determination resulting from an objection by Bonower. If Bonower fails to maintain any of the coverages described above, Lender may obtain �ncnran�e coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any pazticular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Bonower, Borrower's equity in the Property, or the contents of the Properiy, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Bonower could have obtained. Any amounts disbursed by Lender under this Section 5 shall be,come additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and sha11 be payable, with such interest, upon notice from Lender to Borrower requesting payment. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP � Wolters Kluwer Financtal Services Form 3028 1lO1 VMP6WE) (11051 Page 6 of 17 �. , � . , � � n ' .�