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201205280 required by RESPA, and Bonower shall pay to Lender the amount necessary to make up the deficiency in accordance ��ith RESPA, but in no more than 12 monthly payments. Upon paymcnt in full of all sums sccurcd by this Sccurity InstrumcnL Lcndcr shall promptly rofund to Borrower anj� Funds held by Lender. 4. Charges; Liens.Borrower sl�all pay all tazes, assessments, ck►arges, Iines, and impositions attributable to the Property� which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Associadon Dues, Fees, and Assessments, if any. To the e�tent fliat these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien w�hich has priority over this Securit,y Inslnunent unless Borrower: (a) agrees in writing to the payment of the obligadon secured by the lien in a manner acceptable to Lcndcr, but onl,y so long as Borrowcr is perfornung such agrccmcnt; (b) contcsts thc licn in good faith by, or defends against enforcement of the lien in, legal proceedings w�hich in Lender's opinion operate to prevent the enforcement of the lien H�lule those proceedings are pending, but o�ily unlil such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating lhe lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over tlus Security Instrument, Lender may gi��e Borrower a notice idenGfi�ing the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lcndcr may rcquirc Borrowcr to pay a onc-Umc chargc for a rcal cstatc ta� vcrification and/or rcporting service used bv Lender in connection with this Loan. 5. Propertylnsurance.Borrower stiall keep the improvements now e�isting or hereafter erected on the Property insured against loss by fire, hazards included within the lerm "e�tended coverage," and any other ha�ards including but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deducdble 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 insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrow�er's choice, �•hich right shall not be e�ercised unreasonably. Lender may require Borrowcr to pay. in conncction ��ith this Loan, cithcr: (a) a onc-timc chargc for flood zonc dctcrmination, certi�cation and tracking sen•ices; or (b) a one-time charge for flood zone determination and ceriification seivices and subsequent charges each time remappings or similar changes occur which reasonably nught affect such determination or ceriilication. Borrower shall also be responsible for lhe payment of any fees imposed by the Federal Emergency Management Agency in connection w�ith the review of arry flood zone determination resulting fmm an objection by Bonower. IT Bonower fails to maintain am of the co�erages described above, Lender may obtain insurance coverage, at Lender's opdon and Borrower's espense. Lender is under no obligation to purchase an,y particular type or amount of covcragc. Thcrcforc, such covcragc shall covcr Lcndcr, but might or might not protcct Borrowcr, Bonowcr's cquity in thc Properh�, or thc contcnts of thc Property, 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 mighl significanlly esceed lhe cosl of insurance lhal Borrower could }►ave obtained. A� amounts disbursed bv Lender under this Section 5 shall become additional debt of Bonower secured by this Security Instrument. These amounts shall bear interest at the Note rate from tlie date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMEM Form 30281l01 VMP � VMPB(Nt� (110� 00 Wolters Kluwer Financial Services Pa9@ 8°f ��