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20�20�009 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. Ugon payment in full of all sutns secured by this Security Instrument, Lender shall promptly refund to Bonower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Progeriy which can attain priority over this 5ecurity 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, Bonower shall pay them in the manner provided in Secrion 3. �rrower shall promptly discharge any lien which has priority over this Security Insmunent unless �orrower: (a) agre,es in writiag to the payment o� the obligarion secured by the lien in a manner acceptable to Lender, but only so long as Borrower is pesforming such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legat proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proccedings are pending, hut only uutil such proceadings are coacluded; or (c) se�cures from the holder of the lien an agreement satisfactory to Lender subordinating the Iien to t.�is Securi.ty Inst�vment. If Lender determin� tbat acc�r pazc o� tlze Paoperty is subj�ct to a lien wbich can attain griority over this 3ecurity tn. ,m .nt, Lender �y give Bormvver a notice identifyi.ng the Iien. Withi�a ID days o€ the daze on �vhich that notice is given, Bormwer s� satisfy ti�e Pien or take �rne or more vf the actions set forth above in this Section 4. L�er may re.�,t�ire Borrower to pay a one-time charge for a real esta�e tax verrScaeioa aaa�/or repoFting se�vice used by I.ender ffi eoffiection with this Loan. 5. Praperty Ensurance. �arrower shall keep the improvements IIowr exi�s[iIIg or hereai�es �rectteai on the ProPerh+ i�sured against Ioss by fre, haaards included within the t�r�t "extend� coverage," a� aay atber hazarcts ffietuding, but not limite.e� tc�, earth4uakes and floods, for wi�ich I.ender re.guiaes ins�r�nce. TIus insuraace shall be maintained in tlie amounts (including deductible Ievels) aad fog t� periais �at �.ender requires. VVhat Lender requires puss�ant to the preceding sentenc.es c� change c�ing tfie term of the Loan. The insurane�e carrier providing the insurance shall he chosen by Borrower sobject to �'s right to disapprove Borrower's choice, which right sha11 not be exercised unreasonably. I�cder may require Borrawer to gay, in connection vvith this L.oan, either: (a) a one-time charge for IIood zoIIe c�etermination, certif cation aIId tracking services; or (b} a one time charge for fIooc� zorre �etermination a� c�rtification services a� subsequent charges each time remappings or similar changes occur which re,a�nably might affect s�cfi determinarion or certification. Borrower shall also be respoffiible for the paymeat of any fees impos� by the Federal Emergency Management Agency in co�tioa with the revie�v of any fiood wne determination resulting from an obj�tion by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain. ins�u�ance caverage, at Lender's oprion and Bonower's expense. Lender is uuder no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover I.eIIder, but might or might not protect Borrower, Borrvwer's equity in the Property, or the contents of the Property, aga.inst any risk, haaard or liability and might provide 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 in��rance that Borrower could have obtained. Any amounts disbursed by Lender under this Secrion 5 shall become addirional 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 notice from Lender to Bonower requesting payment. NEBRASKA-Single Family-Fannie MaelFreddie Mac UNIFORM INSTRUMENT Form 3028 1/Ot VMP Q VMP6WE) (1705) Wolters Kluwer Financial Servicea Page 6 of 17