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201208302 required by RESPA, and Borrower 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 se�ured by this Security Instrument, L.ender shall promptly refund to Borrower any Funds held by l.ender. 4. Charges; Liens. Borrower shall pay all ta7ces, assessments, charges, fiaes, and impositions attri6uta61e to the Property which can attain priority over this Security Instrumern, 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, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Bortower. (a) agrees in writing 2o the payment of the obligation secured by the lien in a muuier 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[o prevem the enforcement of the lien while those proceedings are pending, but only until such proccedings aze concluded; or(c) sec:ures from the holder of the lien an agr�ment satisfactory to Lender subordinating the lien to this S�urity Instrument. If Lender de[ermines that any part of the Property is subjec[to a lien which can attain priori[y over ffiis Security Instrument, Lender may give Horrower a notice 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 Bonower to pay a one-time charge for a real esta[e tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now eusting or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other liazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. 'Chis insurance shall be maintained in the amoums(including deductible levels)and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier pmviding the insurance shall be chosen by Borrower subject to I.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-lime charge for flood zone detennination, certification and tracking services; or(b) a one-time chazge for flood zone de[ermiaa[ion and certification services and subsequent charges each time remappings or similaz changes occur which teasonably might affect such deteanination 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, I.ender may 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 shall cover L.ender, but might or might not protect Borrower, Borrower's equity in the Property, or the coments of the Property, against any risk, hazard or liability and might pmvide greater or lesser coverage than was previously in effect. Borrower aclmowledges that the wst of the insurance coverage so obtained might significandy exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this S�tion 5 shall become additional debt of Borrower s�ured 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 nodce from Lender to Borrower requesting payment. NEBHASKA-Single Family-Famue Mae/Fratltlie Mec UNIFOPM INSTRUMENT Fortn 3028 1/01 VMP� VMPBINEI(1105)A� Woltere Kluwer Financlel Services P�e 6 ot 77