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24120454� required by RESPA, and Borrower 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 se,cured 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 amibutable to the Properiy 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, 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 obligation secured by the lien in a manner acceptable to Lender, but only so long as Bonower is performing such agreement; (b) cont�ts the lien in good faith by, or defends against enforcement of the lien in, Iegal proceedings wluch 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) secures from the holder of the lien an agre.ement satisfactory to Lender subordinating the Iien to this Security Instrument. If Lender determines tfiat any part of the Property is subject to a lien v�hich can attain priority over this Security Instrument, Leader may give Borrower a notice identifying the lien. �Vithin 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 Secrion 4. Lender may require Barrower to pay a one-time chazge for a real estate tax verification and/or regorting service used� by L,ender in connection with this I.oa�. 5. Property Insurance. Borrower shall keep tke improvements �w eusting or hereafter erected on the Froperty insured against Ioss by fyre, hazards iIICluded within t�se term "extencfed covera.ge," ancl any other hazards including, but not limited to, earthquak� and ffoods, for which Lendes re�uires insur�ce. �'&is insurance shall be maintained in the amounts (ir►cludiug deductible levels) atcd for the periods that Leader requires. �Vhat Lender require�s pursuant to the preced.ing sentences can change during the term of the I.oa�. The insurance carrier pmviding the �� sh�ll be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Bonower to pay, in coffiection with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a oae-time charge for �c�od zone determination and certificarion services and subsecpuent charges each time remapgings or similar cha�ges occur whicb reasonably might affect such determinarion or certification. Borrower shall also be r�ponsible for the payment of any f�s imgoseci by the Federal Emergency Management Agency in connecrion w+ith the review of any flood zone determination res�ilting from an objection 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 particulaz type or amouut of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Bonower, Bonower's equity in the Property, or the contents of the Property, against any risk, hazatd or liability and might provide greater or lesser coverage than was previously in effect. Bonower acknowledges that the cost of the in�,,,�nce 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 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/Fretldie Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP p VMP6INE) (1105) Wolters Kluwer Finencial Services Page 6 of 17 , o