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201207540 required by RFSPA, and Borrower shall pay to L.ender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 mo�hly payments. Upon paymem in full of all sums secured by this Securiry Inst[ument, Lettder shall promptly refund to Borrower any Funds held by I.ender. 4. Charges; Liens. Botrower shall pay all tac�s, assessments, charges, fines, and imposipons attributable to the PropeRy which can attain priority over tlus Security Instrumern, leasehold paymems or ground rents on the Property, if any, and Community Association Dues, Feas, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which Las priority over this Se�urity 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 enforcemem of the lien in, legal proccedings which in Lender's opinion operate to prevent the enforcetttent of the lien w}ule those proceedings aze pending,but only until such proceedings aze concluded; or(c) secures from the holder of the lien an agreement satisfacrory to Lender subordinating the lien to this Security Instrnment. IF Lender determines that any part of the Property is subject to a lien wluch can attain priority over this Securiry Instrument, Lender may give Bornower a notice identifying the lien. Witliln 10 days of the date on which that norice is given, Borrower shall satisfy the lien or take one or more oF trie actions set forth above in ttus S�tion 4. Lender may require Borrower to pay a ono-time chuge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurence. Borrower shall keep the improvements now eacisting or hereafter erected on the Property insured against loss hy fue, hazerds included within the term "extended covetage," and any other hazards including, but not limited to, earthqnakes and floods, for wluch Lender requires insurance. Tlus iasurance shall he maintained in the amounts (including deductible levels)and for the periods that Leader requires. What I.ender requires pursuant to the prec�ing sentences can ch�ge during the[erm of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right[o disapprove Borrower's choice, which right shall 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-tnne charge For flood wne determination and certification services and subsequent charges each time remappings or similaz changes occur which reasonably might aff�t such determination or certification. Borrawer shall also be responsible for the payment of any fees imposed by the Federal Emergency Mauagement Agency in connection with the review of any flood wne determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages describ�above, Lender may obtain insurance cuverage, at Lender's option and Borrower's expense. Lender is under no obligazion to purchase any particulaz type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might no[protect Borrower, Borrower's equity in[he Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cos[ of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under ttris Swtion 5 shall b�ome additional debt of Borrower s�ured 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 I.ender to Borrower requesting paymem. NEBRASKA-Single Femily-Fenme MaelFreOtlle Mac UNIFOPM INSTPUMENT Form 3026 1/01 VMP W VMPBME7 U iD51.00 W oliers Kluwer Flnenciel Sarvices Pege 6 of 17