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2012012�5 required by RFSPA, and Borrower sha11 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 b� 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 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 are Escrow Items, Borrower 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 s�ured by the lien in a manner acceptable to Lender, but only so long as Borrower is perforirung such agreement; (b) contests the lien in gaod 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 untit 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 subject to a lien which can attain griority over this Security Instrument, Lender may give Borrower a�rice identifying the lien. Within IO days of the date on which that notice is given, Borrower sh�ll sat�sfy � iien or take one or more of the actioffi set forth above in this Secrion 4. Lender may require Bortower to pay a one-time charge for a real escate tax veaific�tion and/or reporting service vsed by T,ender in c.onnecrion with this Loan. 5. Pro�erty Insurance. Borrower shall keep the improvements now existing or h�rea€ter erected on the Property i�sured against loss by fire, hazards included within the terna "extended coverage," anct any other hazards ineludiIIg, but not Iimited to, earthquakes and floods, for whicl� Lenc�er requires insurance. This insurance sl�tl be maintaiue� in the amounts (including deductible Ievels) and far the periods that Lender requires. What Lend�rr requires pursuant to the preceding sentences can change during the term of the Loau. The insurance cazrier providing the insurance shall be chosen by Borrower subje,ct to Lender's right to disappmve Borrower's choice, which right shall not be exercised unreasonabIy. Lender may require Borrower to pay, in connecrion with this Loan, either: (a) a one-time charge for flood zone determination, certification an@ tracking services; or (b) a one-time charge for flood zone determination and certific,a�tion services and subsequent charges each time remappings or similar changes occur wluch reasonably might affect such determination or certification. Borrower shall also be responssible far the payment of any fe,es imposeci by the Federal Emergency Management Agency in co�tion with the review of any flood zone determination resulting from an objecrion by Bonower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's oprion and Bonower's expense. L.ender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage sha11 cover Lender, but might or might not pmtect 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 Borrower secured by tlus Se,curity 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-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP Q VMP61NE) (11051 Wolters Kluwer Financial Services Page 6 of 17