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20120�19� required by RFSPA, and Borrower shall pay to Lender the atnount 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 Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and imposirions ariributable to the Properiy which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, 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 Secrion 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 Iong as Bonower is performing such agreement; (6) contests the lien in good faith by, or d"efern�s against enforcement of the lien in, legal proceedings whicFi in Lender's opinion operate to prevent the enforcement of the lien while those proc�dings are pending, but only until such proce.edings are concluded; ar (c) secures from the holder of the lien an agr��ent satisfactory to Y.ender subordinating the lien to this Security Y�str�nent. If L,e�der determuc� that aay gart of t� Propert,r is subj�t to a Iien which can zttaia priority over this Security Instrument, Leacier may give Bo�raower a notice identifying the lien. Withi�a IO days of the c�ate o�s w}�ieh that notice is given�, Bosrower shali sa�isfy tise Iien o� take oue or moae of the actions set farth. abvve in tl�is Secrion 4. E� may rec}uire �3orgci�rer to gay a one-time charge fa�r � rea� estate t� verification and/or reporting �ric� us� by Leacter �a cc��on vwith tl�is �.oan. 5. l�rmperty Cnsur�nce. BoFrower shall keep the impravements rn�w exist�g or 1�ereafter erected on the Froperty iIISt�red agauist Ioss by �re, hazards iric},ude� within tt�e terrre "e��en� coverage," and any other �aards imc�uding, hut not timited to, earthquakes and floocis, for wluch �der requires inc�!�„�. This insuraace shali be maintain�i in the amounts (includiIIg deduct�ble tevels) and for the periods that bender requires. VVhat Lenc�er requires putsuant to the preceding setstences can change during the term of the Loa�. The insurance carrier providiIIg the insurance shatl be chosen by Borrower subject to I.eader's right to disapprove Borrower's choice, wluch right shall not be exercised unreasonably. Lender may require BQrrower to pay, in eonnection with this Loan, either: (a) a one-time charge for IIooc� zone deterffiination, certification aud trackiag services; or (b) a one-time charge for IIouc� zoECe determination and certification service.s and subsequeIIt chaages each time rema�pings or similar c�tanges occur which reasonably might affect such determinarion or certif�cation. Bonower shall also be respousible for the payment of any fees impose� by the Federal Emergeucy Management Agency in coffiecrion with the review of any flood zone determinarion resvlting from an obje,crion by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's oprion and Borrower's expense. Lender is under no obligarion to purchase any particular type or amoimt of coverage. Therefore, such coverage shall cover Lencter, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Properiy, agaiast any risk, hazard or liability and might provide greater or lesser coverage than was previously in effe,ct. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Secrion 5 shall be,come addirional debt of Bonower secured by this Security Instrument. These atnounts shall bear interest at the Note rate from the date of disbursement and shall he payable, with such interest, upon notice from Lender to Borrower requesting payment. NEBRASKA-Single Famlly-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1l01 VMP � VMPBINE) (1105) Wolters Kluwer Financial Services Page 6 of 17