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201406486 required Uy RESPA, and Borrower shall pay to Lender the ainount necessary to inal<e up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payinent in fiill of all sums secured by this Security Instruinent, Lender shall promptly refund to Borrower any Funds held Uy Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessinents, charges, fines, and impositions attributable to �he Property which aan attain priority over this Security Instrumerlt, leasehold payinents or ground rents on the Property, if any, and Corrununity Association Dues, Fees, and Assessments, if any. To the extent that these iteins are Escrow Items, Borrower shall pay them in the inanner provided in Section 3. Borrower shall promptly disch�rge any lien which lias prioritq over this Security Instrument unless Borrower: (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 perforiniirg such lgreement; (b) contests the lien in good faith by, or defends against enforce111ent of the lien in, 1ega1 proceedings which in Lender's opinion operate to prevent the enforcement of t11e lien while those proceedings are pending, but only until such proceedings are conclucled; or(c) secures from the holder of the lien an agreemeirt satisfactory to Lender subordinating the lien to this Security I�strument. If Lender deterinines that atly part of the Property is subject to a lien which can attain priority over this Security Instrument, Lendei•may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower s11a11 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 tax verification and/or reporting service useci by Lender in connection with tlus Loan. 5. Property Insuranee. Borrower shall lceep the improveinents now existilig or hereafter erected on the Property insured against loss by f"ire, hazards included witlun the term"extended coverage," and any other hazards including, but not lilnited to, earthc�ualces�nd floods, for which Lender requii�es insurance. This insurance shall be maintained in the ainounts (includii�g cleductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can cllange during the term of tke Loan. The insurailce cai�rier pt•ovicling the insurance shall Ue chosen by Borrower subject to Lender's right to disa�prove Borrowei•'s choice, wliich rigllt sha11 not Ue exercised uru-easonably. Lender may require Borrower to pay, in comiectioii witli tliis Loan, eithel: (a)a one-tiine charge for flood zone deteriniiZation, certification and tracicing services; or(U) a one-time charge for flood zone deterinination and certification services and subsequeu�chargas each time rem�ppings or similar changes occur which reasonably inight affect st�ch determination or certification. Borrower shall also Ue responsible for the payment of any fees ilzlposed vy the Fedei•al Einet•gency Management Ageilcy in connection with the review of any flood zone deteriilinatioil resulting from�n objection by Borrower, If Borrower fails to maintain any of the covei�ages clesci•ibed avove, Lender inay obtain insurance coverage, at Leiider's option and Bo1'rower's expense. Lencler is under no obligation to purcliase any particular type or ainoLu�t of coverage, Tllerefore, such covei•age sl1aX1 cover Lender, but nught or inigllt not protect Borrower, Borrower's ec�uity in tlie Property, or the contents of the Property, agaiizst any rislc, hazard or liability and might provide gre�ter or lesser coverage thln w1s previously i1i effect. Borrower acicnowledges that tlle cost of the insur�nce covei•age so oUtained riught signi�cantly exceed the cost of insurance th�t Borrower could have oUtained. Any amounts disUursed by Lenc�er under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These aiizounts shall bear iliterest at the Note rate from the date of ciisbursemelit and shall be pay�Ule; with such interest, upon notice fi�om Lerlder to Borrower requesting plyment. 24007178 NEBR4SKA-Singiefamily-FannleMae/FredtlleMacUNIFORM INSTRUMENT Form30281/01 VMP O VMP6(NE)(1302) Wolters Kluwer Financial Services Page 6 of 17