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201200161 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 Bonower any Funds held by Lender. �. Charges; Liens. Borrower shall pay all ta�ces, assessments, chazges, fines, and impositions attributable 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 are Fscrow Items, Bonower sha11 pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Bonower: (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 Bonower is perfomung such agr�ment; (b)contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforce�ent 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 lien to this Security Instrument. If Lender determines that any part of the Property is subje�ct to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice idenrifying the lien. Within 10 days of the date on which that notice is given, Bonower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Bonower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with tlus Loan. ' 5. Property Insurance. Bonower shall keep the improvements now e�sting or hereafter erected on the Property insured against loss by fire, hazards included within the term "extendefl coverage," and any other hazards including, but not limited to, earthquakes and floods, for which L.ender requires insurance. This insurance shall be maintainerl in the amounts(including deductible levels)and for the periods that L.ender 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 Bonower subject to Lender's right to disapprove Bonower's choice, which right shall not be exercised unreasonably. Lender may require Bonower to pay, in connection with ttris Loan, either: (a)a one-time charge for flood zone determination, certification and tracking services; or(b)a one-time charge for flood zone detennination and certification services and subsequent charges each time remappings or similar changes occur wluch reasonably might affect such deternunation or certification. Borrower shall also be responsible for the payment of any fe�s imposed by the Federal Emergency Management Agency in conne,ction with the review of any flood zone deternunation resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligafion to purchase any particulaz type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Bonower'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 wa.S previ�usly in effect. Rarrower acknowledges that the cost of the insurance coverage so obtained might significantly exceefl the cost of insurance that Bonower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower se�ured by this S�urity Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest,upon notice from Lender to Borrower requesting payment. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP� VMP61NE)(1105).00 Wolters Kluwer Financial Services Page 6 of 17