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201403885 required by RESPA, and Borrower sha.11 pay to Lender the amouilt necessary to malce up tlie deficiency in accordance with RESPA, but in no more tlYan 12 monthly�ayments. Upon paymen�in fiill of all sutns secured by this Security Instrument, Levder shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower sha11 pay all tiaxes, assessments, charges, �nes, and ixnpositions attributable to the Property whicli can attaiii priority over this Security Instruinent, leaselzold plyinents or�round rents on the Property, if any, and Coirununity Association Dues, rees, aiid Assessments, if any. To the extent that these iteills are�scrow Items, Borrower s11a11 pay them in the mamler provided in Section 3. Borrower sha11 promptly discharge any lien wluch has priority over tlus Security Instrument ui�less Borrower: (a)agrees in writing to the payment of the obligation secured by the lien ii7 a maruler acceptaUle to I,ei�der, btilt oi�ly so long as Borrower is perfor�ning stich agreenient; (b) contests the lien in good faith Uy, or defends aga.inst enforcemen�of the lieii ii�, Tegal procaedings which in Lender's opinion operate to�arevent the enforcement of t11e lien while those proceeclings are pendiiig, but only ulztil such proceedings are concluded; or (c) secures froin tlle holder of ihe lien an a�reement satisfactory to Lender suboi•dinating the lien to tlus Security�nstrument. Tf Lender determines that any part of the Property is subject to a lien which can a.ttain priority over this Security Instruinent, Le��der may give Borrower a notice identifying tlie 1ien. Within 10 days of the date on which that notice is giveii, Borrower sha11 satisfy the lien oi-t11ce oaie or more oi'the actions set fortlz above in this Section 4. Lender may require Borrower to pay a one-tizne charge for a re�l estate tax verification and/or reportiiig ssrvice Lisad by Lendex in aoruiection with t11is Loaii. . 5. Propelrty Insurance. Boi�rower shall lceep the improvements now existing or hereafter erectied on the 1'roperty insured against loss by�re, hazards included within the terin"extended eoverage," ancl any other hazards including, but not�'vnitad to, earthc�ualces and floods, for�vhicl�Leilder requires insurnnce. This insurance sliall be maintained in tlie ainounts (including deductible levels) aiid for the periods tkat Lender rec�uires. What Lei�der rec�uires pursuaiit to the preceding sentences can change during the term of the Loan. The ii�surance cnrrie�providing the insuraizce shall be chosen by Borrower subject to Lender's right to clisa�prove Boxrower's clioice, which i�iglit shall not be exercised unre�sonably. Lender m1y require Borrower to p�y, zn connection with tliis Loan, either: (a) a one-tiine c1�ar�e for flood zone cleterinination, certi�'ieatioi2 aa�d tiracicing servic��; or(b) a one-ttme charge for flood zone�iet�rinivat7on and certification servioes and subsequent charges each time remappings or siinilar changes occur which reasonably might affect stich deterinination or certitication. Borrower sh�ll 11so be responsiUle for the payment of�ny fees i7np�sed by the Federal Einergency Managameilt Agency in caiulection with the review of any f�ooci�one determin�tion resulting fi•om an objection Uy Borrower. If I3orrower f�ils to inairitaiii�iiy of the coverages described avove, Leizder inay oUtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no oUligation to purchase any pal�ticul�r type or al�iount of coverage. T1lerefore, suc11 covelage shall cover Lailder, but might or might not protect Borrower, ]3orrowe�•'s eqtiity in the Property, or the contents of the 1'roperty, against any rislc, hazard or liability ai�d might provide�;reatier or lesser coverage than was previously in effect. Borrower acic�iowledges that t11e cost of the insurance coverage so oUtained inight significantly exceed tihe cost of insurance that Borrower eould h�ve oUt�ined. Any�u�ounts clisUursed by Lender under tliis Section 5 shall Uecoine additional deUt of Borrower secured by tlus Sectiirity Instrurneiit. T11ese�asnounts sh��11 vea�r interest at the Note rate froin the date of disUurseinent and sh�till be�ayaUle, with such iilteresl, upon notice fi�om Lender to Borrower rec�Liestiilg�ayinent. 24006238 NEBRASKA-Single Family-Fannie M ae/F�etldie M ac UNIFORM INSTf2UM ENT Form 3028 1J01 VMP OO VMP6(NE)(1302) Wollers Kluwer Financlal Services Page 6 of 17