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201209435 required by RFSPA, and Borrower shall pay to Lender the amotmt necessary to make up the deficiency in accordance with RESPA, but in no more than ]2 monthly payments. Upon payment in full of all sums secured by this Securiry Ins[rument, l.ender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, chazges, fines, and impositions attributable to [he Property which can attain priority over this Security Instrumen[, leasehold payments or ground ren[s on [he Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that [hese items are Escrow Items, Honower shall pay[hem in[he manner provided in Section 3. Borrower shall promptly dischazge any lien which has prioriry over this Securiry I�strument unless Borrower. (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable ro Lender, but only so long as Borrower is perfoiming such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operare ro prevent the enforcement of the lien while those proceedings aze pending, but only until such proceedings aze concluded; or(c) secures from the holder of the lien an agrcement satisfactory to I.ender subordinating the lien to this Security Instrument. If Lender deteanines tha[any part of[he Property is subject to a lien which can attain priority over this Securiry Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Bonower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. L,ender may require Borrower to pay a one-time chazge for a real estate tvc verification and/or reporting service used by Lender in connection with this I.oan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts(including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during [he term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject ro l.e�der's righ[to 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 determinadon, certification and tracking 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[he payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. L.ender is under no obliga[ion to purchase any particulaz type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Honowef s equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser covetage than was previously in effec[. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cos[ of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note ra[e from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. NEBFASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP�N VMPfi�NE)(11051.00 Wolters Kluwer Financial Serviws Page fi of 1]