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a�. 'Q � � ��RD�� �O1`�0"7 20120'�07� required by RESPA, and Bonower 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 aFl sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Bonower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security 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, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly dischazge any lien which has priority over tlus Security Instrument unless . BoFrower: (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, Iegal proceedings which in Lender's opinion operate to prevent the enforcement of the lien wYtile those procee�ings are pending, but only until such pmceedings are concluded; or (c) secures from the holder of the lien aII agreement satisfactory to I�nder subordinating the lien to this Security Insmunent. If Lender dtetermines that any part of the Property is subje,ct to a Iien which can attain priority over this Security Instrument, Lender may give Borrower a natice identifyiug the lien. Within IO days of the date on which that norice is give�, Borrower shalI sarisfy the lien or take one or more of the actions set forth above iu this Section 4. Lender may require Bonower to pay a one-time charge for a real estate tax verification andlor reporting service used by Lender in connection with this Loan. 5. Praperty Irtsurance. Borrower shall keep the improvements now existing or flereafter erected on the Properly insured against loss by fire, hazards included within. the term "extende� coverage, " and any other h�zarc�s including, but not limited to, earthquakes an� IIoods, for which �,ender requires insurance. This insuraIICe shall be maintained in the amounts (incIuding deduct��Ie levels) and for the peri�s that Le�nder rec}nires. What Lender rec}uires pursuant to t&e preceding sentences caa change during the term of the Loan. 'Fhe inc��nce carrier providing the insurance shall be clmsen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonabiy. Lender may require Borrovver to pay, in conne,ction with this Loan, either: (a) a one-time chazge for IIood zone determinarion, certification and tracking seiwices; or (b) a one-time charge for fIcmd zone detemiination aad certification �rvices and subsequent charges each time remappings or similar change,s occur wluch reasonably might aff�t such determination or certification. Borrower shall also be responsible for the payment of any fees imposed. by the Federal Emergency Management Agency in counecrion with the review of any flood zone determination resulting from an objecrion 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 obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, �onower'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 eff�t. Borrower acknowledges that the cost of the in�,rance coverage so obtained might significantly exceed the cost of insurance that Bonower could have obtain�. Any amounts disbursed by Lender under this Secrion 5 shall become additional debt of Bonower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and sha11 be payable, with such interest, upon norice from Lender to Bonower requesting payment. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP p Wolters Kluwer Financial Services Form 3028 1/Ot VMP6(NE) (1105) Page 6 of 17 � �