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20�2o4oaj 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 Borrower any Funds held by Lender. 4. Charges; Liens. Borrower 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, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in S�tion 3. Borrower shall promptly discharge any lien which has priority over this Se,curity Instrument unless Bonower: (a) agr�s in writing to the payment of the obligation secured by the lien in a manner acceptable to L.ender, 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 ttie enforcement of the lien while those proceedings are pending, but only until such proceedings are coacluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender su�rdinating the lien to this S�urity Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Bonower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lendes may require Borrower to pay a one-time charge for a real estate tax verificatiog and/or reporting servic� us� by Lender in connection with this Loan. 5. PFOper6y Insurance. Borrower shall keep the improvements now existiag or hereafter ere,cted on the Property insur� against loss by fire, hazards included within the term "exteaded coverage," and any other hazards including, but not limitefl to, earthquakes and floods, for which Lencter re�uires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods tbat Lender requires. �Vhat Lender requires pursuant to the preceding sentences c�n change during the term of the Loan. The insurance carrier provicting the insurance shall be chosen by Borrow+er subject to L.ender'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 chazge for IIooa zone determinarion, certification and tracking services; or (b) a one-time chazge fos flood zoue determination and certification services and subs�uent charges each time remappings or similar changes occur which reasonably might aff�t such determination or certification. Borrower shalI also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connecrion with the review of any flood zone determinarion resulting from an objecrion by Borrower. If Bonower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Bonower'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 prot�t 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. Borrower acl�owledges 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 Secrion 5 shall become addirional 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 Bonower requesting payment. NEBRASKA-Stngle Family-Fannle Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP � VMP61NE) (1105) Wolters Kluwer F(nanctal Servlces Page 6 of 17