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� 201109222 required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monttily payments. Upon payment in full of all sums secured by this Secqrity Instrument, Lender shall promptly refund to Bonower any Funds held by Lender. 4. Charges; Liens. Bonower shall pay all taxes, assesstnents, charges, fines, and impositions attributable to the Property which can attain priority over this Secunty Instrument, leasehold payments or ground rents on the Property, if any, and Community Association DuES, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the bbligation secured by the lien in a manner acceptable to Lender, but only so long as Bonower is performing such agreement; (b)contests the lien in good faith by, or defends against enforcement of the lien in, legal prpceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings ate pending, but only until such proceedings are concluded; or(c)secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines'that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Len�er may give Bonower a notice identifying the lien. Within 10 days of the date on which that notice is givien, 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 char�e for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. ' 5. Property Insurance. Bonower sha11 keep the improirements 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(includi�g deductible levels)and for the periods that Lender requires. What Lender requires pursuant to the preceding 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 Bonower's choice, which right shall not l�e exercised unreasonably. Lender may require Bonower to pay, in connection with this Loan, either: (a)a one-time charge for flood zone deternunation, certification and tracking services; or(b) a one-time c�arge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such deternunation or certification. Bonower s14a11 also be responsible for the payment of any fees imposed by the Federal Emergency Management Agehcy in connection with the review of any flood zone deternunation resulting from an objection by Borrow�r. If Borrower fails to maintain any o€the coverages des'cribed above, Lender may obtain insurance coverage, at Lender's option and Bonower's expense. Lender is�under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall c�ver Lender, but might or might not prot�t Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was preNiously in effect. Borrower acl�owledges that the cost of the insurance coverage so obtained might significa�tly exceed the cost of insurance that Bonower could have obtained. Any amounts disbursed by Lender unQer this Section 5 shall become additional debt of Bonower secured by this Security Instrument. These�mounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such�nterest, upon notice from Lender to Borrower requesting payment. . � NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP� VMP6(NE)(11051.00 Wolters Kluwer Financial Services � Page 6 of 17