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�012019�� required by RESPA, and Bonower shall pay to Lender the amount necessary to make up the deficiency in accordance with RFSPA, 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. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Properly 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 aze Escrow Items, Bonower shall pay them in the manner provided in Section 3. Borrower sha11 promptly dischazge any lien which has priority over this Security Instrument unless Bonower: (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 proc,eedings are pending, but onty until such proceedings are conclude�i; or (c) secures from the holder of the lien an agreement saLisfactory to Lender subordinating the lien to this Security Instniment. If Lender determines that any pazt of the Praperty is subject to a lien which can attain priority over this Security Instrument, Lender ma.y give Borrower a norice identifying the lien. Within 10 days of the date on which that norice is given, Borrower sl�all satisfy the lien or take one or more of the actions set forth ahove in this Section 4. Lender �tay require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by I.ender in connection with this Loan. 5. Property insuranc:e. Borrower shall keep the impmvements now existing or hereafter ere,cted on the Pm�rty insured agai�.st toss by fire, hazards included within the term "extended caveaage," and any other hazards iacluc�ing, but not limited to, earthquakes and floods, for which �.ender rec}uires ,a�„r�ce. 'Fhis insutauc� sha12 be maintained in the amounts (including deductible levels) and for the periods that F.ender requires. �Vhat Lender requires pursuant to the preceding sentences can cbange during the term of the L,oan. The ��►�*ans� catrier providing the insurance shall he chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, cerEification and tracking services; or (b) a one-time charge for flood zone determination and certification servi� and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender ma.y obtain insurance coverage, at Lender's option and Bonower's expense. Lender is under no obligation to purchase any particulaz type or amount of coverage. Therefore, such coverage sha11 cover Lender, but might or might not protect Borrower, 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. Bartower 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 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 Borrower requesting payment. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP � Wolters Kluwer Financial Services Form 3028 1/07 VMPB(NE) (1105) Page 6 of 17 d , . .