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201�0043� 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 Instrurnent, Lender shall promptly refund to Bonower any Funds held by Lender. 4. Charges; Liens. Bonower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain prioriry over this Security Instnunent, leasehold payments or ground rents on the Property, if any, and Community Assaciation Dues, Fees, and Assessments, if any. To the extent that these items ate Escrow Items, Bonower 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 obligation se.cured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (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 enforcement of the lien while those proceedings are pending, but only until such proceedings aze concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instnunent. If Lender detemvnes that any paR of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Bvrrower a notice idenrifying the lien. Within IO days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this �crion 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 conn�tion with this Loan. 5. Property I�tse�rance. Barrower shall keep the improvements now eaEisting ar hereafter erect� on tbe Property i�►s�red against loss by fire, hazards included within the term "extended coverage," and auy other hazards inclr�ing, but not limited to, earthqua.kes and floods, for which Lender requires insuranc�. T'his insurance sl�E be maintained in the amounts (including deducrible leveIs) and for the periods that I.ender re�uires. What Lender requires pursuant to the preceding sentences can change during the tenn of the Loan. The itisurauce carrier providing the insurauce shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require BorrovKer to pay, in connecrion with this Loan, either: (a) a one-ti� cltarge for flood zone deternriaation, certificatio� and tracking services; or (b) a one-time charge for fiood zone determination and certification services anc� subsequent charges each time remappings or similar changes occur which reasonabiy might affect such determination or certificarion. Borrower shall also be responsible for the payment of any fees imposed by the Federal F.mergency Management Agency in connection with the review of any fload zone determination resulting from an objecrion by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's oprion and Borrower's expense. Lender is under no obligatioa to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Bonower, 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 was previously in effect. Bonower acknowledges that the cost of the inc��rance coverage so obtained might significantly exceed the cost of insurance that Bonower could have obtained. Any amounts disbursed by Lender under this Secrion 5 shall become additional debt of Bonower secured by this Security Instrument. These atnounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon norice from Lender to Bonower recluesting Payment. NEBRASKA-Sirgle Family-Fannie Mae/Freddie Mac UN�FORM INSTRUMENT VMP � Wolters Kluwer Financial Services Form 3028 1/01 VMP6INE) 11105) Page 6 of 17 , , ',