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20�200�4� 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 fu11 of all sums secured by this Security Instrument, 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 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 Escrow Items, Bonower shall pay them in the manner provided in Section 3. Bonower shall promptly discharge any lien which has priority over this Security Instnunent unless Bonower: (a) agrees in writing to the payment of the obligation secure�i 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 proceedings which in Lender's opinion operate to prevent the enforcement of the lien wtule those proceedings aze pending, but only until such procee�ings are conclude�; or (c) s�ures from the holder of the lien an agr�ment satisfactory to Lender subordinating the lien to this Se�uriry Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Se.curity Instrument, Lender may give Bonower 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 conn�tion with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter er�ted 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 (including deductible levels) and for the periods that Lender requires. What L.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 Borrower 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 this Loan, either: (a) a one-time chazge for flood zone determinarion, certificarion and tracking services; or (b) a one-time chazge for flood wne detemunation and certification services and subsequent charges each time remappings or similar changes occur which reasonably might aff�t such determinarion or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in conn�tion with the review of any flood zone determination resulting from an objection by Bonower. If Bonower fails to maintain any of the coverages described above, Lender may obtain in�,,,�ance coverage, at L,ender's option and Borrower's expense. Lender is under no obligation 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 eff�t. Bonower acknowledges that the cost of the insurance coverage so obtained might significantly exc.eed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Bonower secured 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, upon notice from Lender to Bonower requesting payment. NEBRASKA-Single Family-Fennie Mae/Freddfe Mac UNIFORM INSTRUMENT Form 3028 1/Ot VMP � VMP6(NE) (1105) Wolters Kluv+rer Financial Servicas Page 6 of 17 r y