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201206538 required by RESPA, and Borrower shall pay to l.ender the amo�nt netessary ro make up the deficiency in accordance cvith RESPA, but in no more than 12 mornlily payments. Upon payment i� fiill of all sums secured by this Security Instrument, Lender shall promptly refund[o Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, chazges, fines, and impositions amibutable to the Ptoperty which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Communiry Association Dues, Fees, and Assessments, if any. To the extent that these i[ems are Escrow Items, Botrower shall pay them in the matuier provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Secutiry Instrumem unless Boaower: (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)wntests 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 satisfacrory ro Lender subordinating the lien to this Security Instrumern. If Lender determines thaz any part of the Property is subject[o 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 notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Saction 4. Lender may require Borrower to pay a one-time chazge for a real estate tax verification and/or reporting service used by Lender in connection with[his Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazazds included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which L.ender requires insurance. This insurance shall be maintained in the aznounts(including deductible levels)and for[he periods[hat Lender requires. What Lender requires pursuant to the preceding sentences can change during the[erm of the Loan. The iasurance carrier providing[he insurance shall be chosen by Borrower subject[o Lender's righ[[o disapprove Borrower's choice, wluch righ[ shall not be exercised nnreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time chazge for flood zone determination, certi5cation and tracking services; or(b)a one-time charge for flood zone determination and certification services and subsequen[charges each time remappings or similaz changes occ;ur which reasonably might affect such detem�ination or certification. Borrower shall also be responsible for the paymeat of any fees imposefl by the Federal Emergency Management Agency in connection wi[h the review of any flood zone determination resulting from an objec[ion by Borrower. If Borrower fails to maintain any of[he coverages described above, I.ender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation ro purchase any particulaz type or amourn of coverage. T'herefore, such coverage shall cover I.ender, but might or might not protect Borrower, Borrower's equiry in the Properry, or the contents of the Property, against any risk, hazard or liability and might pmvide greater or lesser coverage than was previously in effect. Borrower aclmowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any aznounts disbursed by Lender under this Section S shall become additional debt of Borrower secured by this Security Instrumern. These aznounts shal] bear interest az the Note rete from the date of disbursement and shall be payable, with such interest,upon norice from Lender to Bottower requesting payment. MEBRASKA-Sirgle Family-Fannie MeeiFretldie Mac UNIFOHM INSTFUMENT iorm 3028 1/Dl �P� VMPB(NE)�11051.00 Wdters Kluwer Flnancial5erv¢¢s Page 6 of 1]