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�i ii::� 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 s�ured by this Security Instrument, Lender sha11 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 Properiy which can attain priority over this Security Instniment, 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, Bonower shall pay them in the manner providefl in Section 3. Bonower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation s�ured by the lien in a manner acceptable to Lender, but only so long as �rrower is performing such agre�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 enforcement of the lien while those proceedings aze pending, but only until such proce�ings are concluded; or (c) s�ures 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 subject to a lien which can attain priority over tlus Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that norice is given, Bonower shall satisfy the lien or take one or more of the actions set forth above in this 5ection 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 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 "eJCtended 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 Lender requires pursuant to the prer.eding 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 Borrower to pay, in connection with this Loan, either: (a) a one charge for flood zone detemunation, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similaz changes accur which reasonably might affe�t such determination or certification. Bonower shall also be responsible for the payment of any fees imposefl by the Federal Emergency Management Agency in conn�tion with the review of any flood zone determination resulting from an objection by Bonower. If Borrower fails to maintain any of the coverages describefl above, Lender may obtain insurance coverage, at Lender's option and Borrower'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 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 was previously in effect. Bonower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Bonower s�ured by this S�urity Instnunent. 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. PIEBRASKA-S(ngle Family-Fannie Mae/Freddle Mac UNIFORM INSTRUMENT . Form 3028 1/01 VMP p VMP6(NE) (1105) Wolters Kluwer Financial Servic� Page 6 af 17