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ti01202403 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 secured by this Security Insmiment, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Bonower shall pay all taxes, assessments, chazges, 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 Eserow Items, Bonower 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 obligarion secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in g�d 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 are pending, but only until such proceedings are concluded; or (c) se�ures from the holder of the lien an agreement satisfactory to Lender subordinating the Iien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instivment, Lender may give Borrower a notice identifying the lien. �VVithiri TO days of the da�e on which that norice is given, Borrower shatl satisfy the lien or take one or more of the act'rons set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a reat estate tax verification and/or reporting service used by Lender in coane,crion with this Loan. 5. Property fnsurance. &»rrower shall keep the improvements no�v eleisting or hereafter erected on ttce Progeriy insured against Ioss by fire, hazards included within. the terr� "extenc�ed coverage," and aIIy other h�ards in.cluding, but not limited to, earthquakes and floods, for which Iretcder requires insurance. 'TFcis insurance sha11 be *_+�ainta�ned in the amounts (including deductible levels) and for the periods that Lender requires. �Vhat Lender requires pursuant to the pre,ceding sentences can change during the term af the Loan. The insurance cairier providing the insurance shall be chosen by Borrower subj�t to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably �naer �y r�u� Barrower to pay, in connecxion with this Loan, either: (a) a one-time charge for flood zone determinatioa, certification ana tracking servicss; or (b) a one-time chazge for flood zone determinar;on and certification services anct subsequent charges each time remappings or similar changes occur vvluch reasonably might affect such determination or certification. Bonower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any fload zone determination resulting from an objecrion by Borrower. If Borrower fails to maintain any of the coverages described above, L.ender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligarion to purchase any pazriculaz type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Progerty, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effe,ct. Bonower aclmowledges 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 Bonower secured by this Security 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 rec}uesting payment. NEBRASKA-Single Family-Fann(e Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1l01 VMP � VMP6�NE) (1105) Wolters Kluwer Financial Services Page 6 of 17 i � t; , .