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�01200�� required by RESPA, and Bonower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions amibutable to the Property which can attain priority over this Security 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 aze Escrow Items, Borrower shall pay them in the manner provided in Section 3. Bonower shall promptly discharge any lien which has priority over this Security Instrument unless Bonower: (a) agrees in writing to the payment of the obligation se,cured by the lien in a manner acceptable to Lender, but only so long as Bonower is performing such agr�ment; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proaeedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings aze pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the Iien to this �curity Instrument. If Lender determines that any part of tt�e Property is subject to a lien which c�n attain priority over this Security Instrument, Lender may give Borrower a notic� identifying the lien. Within 10 days of the date on which that notice is given, Borrawer shall satisfy the Ii�n or take one or more of the actions set forth above in this Section 4. Lender ma� reguire Bortower to pay a one-time charge for a real estate tax verifcation andJor reporting servic� vsed by i.snder in co�ecrion with this Loan. 5. Praperty Inse�rance. �orrower shall keep the improvements now existing or hereafter ereeted on the Properiy in�n�i. aga,i.nst lass by fire, hazards included within t�e tern� "exten�fi cowerage," and any other hazards i�uding, bu� rn�t Iimitec3 to, earthquakes and floods, for which Lender requires insurance. 'Fhis instuance sl�t be maintained in the amounts (including deductible levels) and for the �riods that Lender require,s. VVhaz �,ender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Bonower subj�t to L.ender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower w pay, in connection with this Loan, either: (a) a one-time charge for float zone determination, cxrtifrcation aBd tracldag services; or (b) a one-time charge for flood wne deternrination and certification services anci subs�uent charges each time remappings or similar changes occur which reasonably migtit affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in cannection with the review of any flood zone determination resulring from an obj�rion by Bonower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at L,ender's oprion and Bonower's expense. Lender is under no obligation to purchase any particulaz type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Bonower, 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 previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Bonower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Bonower s�ured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, ugon norice from Lender to Bonower requesting payment. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1l01 VMP � VMP6WE) (1105) Woltera Kluwer Financfal Servfces Page B af 17