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201206537 required by RFSPA, and Bottower 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 5�urity Instruwent, Lender shall promptty refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Ins[rument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To[he extent that these items aze Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall prompUy dixhazge 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 performing such agreement; (b)contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in L.ender's opinion operate to prevent the enforcement of the lien while those proceedings aze pending, but only until such proceedings are concluded; or(c)secures from the holder of the lien an agreement satisfactory to Lender su6ordinating t6e lien to this Security Instrumeat. If Lender detemunes that any part of the Property is subject to a lien which can attain priority over this Security Instrumeut, Lender may give Borrower a notice identifying 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. Lender may require Borrower to pay a one-[ime chuge for a real estate tax veriFcation and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which I.ender requires insurance. This insurance shall be meintained in the amounts(including deductible 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 ro Lender's right to disapprove Borrower's choice, which right sha11 not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time chazge for flood zone determination, certification and tracking services; or(b) a one-time chazge for flood zone determination and cenification services and subsequent chazges each time remappings or similaz changes occur which reasona6ly migh[ affect such determination or certification. Borrower shall also be responsible for the payment of any Fees imposed by the Federal Emergency Management Agency in connection with t6e review of any flood zone detetmination resulting from an obj�tion by Borrower. If Borrower fails to maintain any of ffie coverages described above, L.ender may obtain insurance coverage, at L.ender's option and Borrower's expense. I.ender is under no obligation[o 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, hazard or liability and might provide greater or lesser coverage than was previously in effec[. Borrower aclmowledges that the wst of the insurance coverage so obtained might significan[ly exceed the cost of inswance that Borrower could have obtained. Any amounts disbursed by Lender under this S�tion 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall beaz interest at the Nate rate from the date of disbursement and shall be payable, with such interest, upon notice from L.ender to Bonower requesting payment. NEBFASKA-Sl�le Femlly�Fannle MaelF�etltlie Mec UNIFOFlM INSTRUMENT Form 3028 1/01 VMP� VMPB(NE)�71051.00 Wohara Kluwer Flnenclal Seniees Pepe 6 of 1]