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�01�0�3GG 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. LFgon payment in full of all sums secured by this Security Instrument, L.ender shall promptly refund to Borrower 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, Fe,es, and Assessments, if any. To the extent that these items are Fscrow Items, Bonower shall pay them in the manner provided in Secrion 3. Borrower shall promptly discharge any lien which has priority over this S�urity Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured 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 proc.eedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) se,cures from the holder of the lien an agre.emEnt sarisfactory 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 this S�urity Instrument, Lender may gi�e Borrower a norice identifying the lien. Within 10 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 Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in conue�tion with this Loan. 5. Property lnsurance. Borrower shall keep the improvements now existing or herea.fter erected on the Properiy insured against loss by fire, hazards included withiu the tenn "extended coverage," and any other hazards includigg, but not Iimited to, earthquakes and fioods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductl�rle levels) and for the peric�ds that Lender requires. What Lender requires pursuant to the preceding sentences c�n change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subje,ct to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connecrion with this Loan, either: (a) a one-�ime charge for flood zone determination, certificarion and tracking services; or (b) a one-time charge for ffood zone c3eterminarion and certification services aad subsequent charges each time remappings or similar changes �cur which reasonably might affect such determinarion or certification. Bonower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in coffie,ction with the review of any flood zone determination resulting from an obje,ction by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender'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 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 eff�t. 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 tlus Section 5 shall hecome additional debt of Borrower secured by this S�urity Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon norice from Lender to Borrower rec}uesting payment. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/07 VMP � VMPBINE) (t 105) Wolters Kluwer Financial Services Page 6 of 17