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201109428 required by RESPA, �nd Borrower shall pay to Lender the amount necessary to malce up the deficiency in accorelailce with RESPA, Uut in no inore tihan 12 montihly plyinents. Upon payment in full of�11 sums secured by tlus Security I�istiruzi�ent, Leizder shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall p1y a11 taxes, assessments, cliar�es, fines, and impasitions tittributable to the Property which can attain priority over this Security Instruinent, leasehold payments or ground rents on the Property, if any, aiid Coinmuility Association Dues, Fees, and Assessinents, if any. To the extent tlrat �he�e iteins ara�scrow Iteine, Bo�rz�wer shall pay th�in in the inarzner provid�d in Sea�ion 3. Borrower s1za11 proinptly dischalge any lien which 11as priority over this Security Instrt�ment ul�lass Borrower: (a)agrees in writing to tlie payinenC oE the obligation secLU•ed by the lien in�manner acceptable to Lender, but oi�ly so long as Borrowet•is perforining such agreement; (b) contests the lieu zn good�aith by, or defends against enforcement of the lien in, legal proceedings which ii1 Lender's opinion opei•�te to prevent the enforceinent of the lien wllile those proceedings are pending, Uut only until such proceedings are concluded; or(c) secures fi•oin f11e holder of the lien an agreeineiit satisfactory to Lender subordin�ting the lien to t11is Security Inst�uilzent. If Lender determines th�t any part of the Property is subject to a lien which c�tn attaiii priority over this Security Instruinent, Lender inay give Borrower a notice identifying tlie lien, Within 10�days of the date on wluch that notice is givesz, Borrower shall satisfy the lien or ta1c�one or more of the actions set forth aUove in this Section 4. Lender may reqtiire Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used Uy Lencier in coimection with this Loan. 5. Property II1sUrance. Barrower sha11 lceep the ilnprovementis now existing or hereafter erected on the Pro�erty insured against loss by fi�•e; hazards includetl withiii the term"extended coverage," and any other hazards including, but not limitad to, earthqualces�nd�loocls, for•whiah Lender requires insurance. This insurance shall Ue 1i�aintained in tlle arnounts(ino7uding dec�uctiUle levels)and for the periods tl7at Lender requires. What Lendei requires pLlrsLiaslt to the preceding sentences cau ch�nge cluring the tei�in of the Loan. Tlie insu�•�nce ca�•riei•providing the insLU•ance shall be chosen by Borrower suUjeet to L�nder's right to disapprove Borrower's choice, wllich right shall not be exercised unreasonably. Lender may require Boi•rower to pa.y, in comiectioil witlz this Lo�n, either: (a) a one-tiine cliarge for flood zone determination, certiit"ic�tion and traciciiig services, or(l�) a one-time charge for flood zone dete��nlinatiion ancl certification services and sub�equent charges each tiine semappings or similar cl�anges occur whieh reasonably in'rght affect such determination or certi�cation. Borrower shall also be responsiUle Cor the payineiit of aiiy fees imposed Uy the Pecieral Emergency Man��ement Agency in comlection with t11e review of any flood zone determination reatiltiiig fi•oin an objection Uy I�orrowar. IP Borrower fails to maintain any of the cov�rages descriUed�Uove, Lender may oUtain insuraiice covei•age, at Lender's option�nd Borrower's expeizse. Lender is under no obligation to purcliase�ny p�rticul�r type or amount of cover�ge. Therefore, such coverage s17a11 cover Lender, but inight or iiu�ht not protect Borrower, Borrower's equitiy in the Property, or the coiiteiits of the Pro�e�•ty, against any rislc, 1lazard or liability and might provide gre�ter or lesser co�erage thai�was previously in effect. Borrower acicnowledges that the cost of the insurance coverage so oUtained might significantly exceed the costi of insur�nce that Borrower coLtld l�ave oUtained. Atiy ainoui7ts disbursed 1�y Lender under this Section 5 shall Ueco�ne additional deUt of Bolrower sectued by tlus Security InsCruinent. These amoiuits slia�ll bear interest at the Note rate L��om tha date of clisUursement�nd sha.11 Ue�lyable, with such interest, upon i7otice I'i•oin Lender to Borrower requasting payment. 231234 NEBRASKA-Single Family-Fannle M ae/Freddie Mac UNIFORM INSTRUM ENT Form 302II 1/01 VM P O VM P6(NE)(1105) Wolters Kluwer Flnancial Services Page 6 of 17