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201210011 requircd by RESPA, and Bonower shall pay to Lender the amount necessazy to makc up the deficiency in accordance with RESPA,but in no more than 12 monthly payments. Upo�payment in full of all sums sccured by this Sccurily Instmment, Lender shall promppy refund to Borrower any Funds held by Lender. 4. Charges;Liens.Borrower shall pay all taxes, assessmems, charges, fines; and impositions attributable to thc Property ivhich can attain priority over fltis Securih� instrument, leasehold papmenls or ground rents on the Properry, if any, and Community Association Dues, Fees, and Asscssments, if a��. To the estent that these items azc Escrow Iterus, Borrower sUall pay them in the manner provided in Scction 3. Borrower sltall promptl} discltargc am lien wtnch has priorih- over this Securin- Insuumem unless Borrower: (a) agrees in wri[ing to [he papment of the obligation sewred by the lien in a manner acceptable to Lender,but only so long as Borrower is performing such agreemeni; (b) contests the lien in good faith by, or defemis against cnforcement of lhc lien iq legal pmceedings�ahich in Lender's opinion operate to prevenl the enforcement of the Gen while those pmceedings are pending but only until such procccdings are concluded; or(c) secures from the holder of the lien an agreemcnt satisfactory ro Lender subordinating the lien m this Sccurity InstrnmenL If Lender detennines[hat any part of the Property is subject to a licn which can attain priority ovcr this Security lnstmment, Lender may give Borrower a notice idernifying the lien. �Vithin 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or morc of the actions set forth abovc in this Secuon 4. Lender mau rcquire Borrower to pay a one-time chargc For a real estate tax verification and/or reponing service used by Lendcr in connection with this Loan. 5. Property Insurance.Borrower sl�all keep the improvements no�;�existing or hercafter erected on the Property insured against loss by firc, hazards included within thc tcrm "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall bc mTintained in the amounts(including deductible levcls)and for the periods that Lender requiros. What Lender requires pursuant to the preceding sentences can change during tLe term of the Loan. The insurance carrier prociding lhe insurance shall be chosen by Borrower subject to Lenders right to disapprove Borrower's choice, which right sLall not be esercised mueasonably. Lender ma�- require Boaower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone detenninatioa certification and tracking services; or(b)a one-time cliarge for flood wne detcrmination and certificalion services and subseque�rt charges each time remappings or similaz changes occur wMch reasonabl} might affect such determination or certification. Borrower shall also be responsible for the paymem of any fees imposed b} the Federel Emergency Management Agency in connecflon�vith the �vicw of any flood zonc determination resulting from an objecUon by Borrower. If Borzower fails to maintain am of die coverages descnbed above, Lender may obtain insurance coverage, at Lenders option and Borrower s expense. Lender is�mder no obligation to purchasc any pariicular lype or amount of coverage. ThereCore, such coveragc shall cover Lender,but might or might not protect Borrower, Borrower's equily in the Properry, or the conkems of the Pmperiy, against any risk, hazard or liability and might provide greater or Icsser coverage tttan�vas previously in effect. Borrower ackno��•ledges lltat the cost of the insurance coverage so obtained might significanlly exceed the cost of insurance that Bonower wuld have obtained. Am amowits disbursed by Lender under this SecUon 5 shall become additional debt ot Borrower secured by this Securiry Instrumerrt. These amounts shall bear imerest at the Note nte from the date of disbursement and sttall be pa}-able, �rith such imeiest, upon noticc from Lender to Borro�;er requesting payment. NE6RASKA-Single Family-Fannie MaNFreddie Mac UNIFORM INSTRUWENT Form 3028 1i01 VMP� VMPfiMEI(1'1067 00 Nbtlers Klw.er Financial Services Page 6 ot 1]