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201208396 required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RFSPA, 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 L.ender. 4. Charges; Liens. Borrower shall pay all taees, assessments, charges, fines, and impositions attributable to the Property which can attain prioriry over tlils Securiry Instrument, leasehold payments or ground rents on the Property, if any, and Community Associauon Dues, Fces, and Assessments, if any. To the extent that these items aze Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien wluch has priority over this Security Instrument unless Borrower: (a) agreEs in writing to the payment of the obligation secured by the lien in a mam�er acceptable to Lender, but only so long as Borrower is perfornilng such agrcement; (b)wntests the lien in good faith by, or defends against enforcemem of the lien in, legal pmceedings which in L.ender's opinion operate to preven[ the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or(c) secures from the holder of the lien an agreemern satisfac[ory to Lender subordinating the lien to this Securiry Instrument. If Lender de[ermines tha[any part of the Property is subject to a lien which can attain priority over this Se�urity Instrument, L.ender may give Borrower a notice identifying the lien. Within 10 days of the date on which that no[ice is given, Bonower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tac verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now eacisting or hereafter ere�ted on the Property insured against loss by fire, liazards 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 6e maintained in the amounks(including deductible levels)and for the periods that Lender requires. What l.ender requires pursuant to the prec�ling sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Bottowet'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 tiacking services; or(b) a one-time chazge for flood zone determination and certification services and subsequent charges each time remappings or similaz changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone deternunation resulting from an objec[ion by Borrower. If Borrower Fails to maintain any of the coverages described above, Lender may obtain insurance coverage, a[I,ender's option and Borrower's eacpense. Lender is under no obligation to purchase any particulaz type or amount of coverage. Therefore, such wverage shall wver Lender, but might or might not protect Bonower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and migh[provide greater or lesser coverage than was previously in effect. Borrower acl�owledges 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 Lznder under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. T'hese amounts shall bear in[erest at the Note rate from the date of disbursement and shall be payable, with such interes[, upon no[ice from L,ender to Borrower requesting paymem. NEBRHSKA-Si�le Femily-Fennie Maeffretltlie Mac UNIFOHM INSTFUMENT Form 3028 1l01 VMP�•+ VMP6ME)111051.00 Woiters Kluwer Pinanciai Services Page 6 ot i]