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�0�24904� required by RFSPA, and Borrower shall pay to I,ender 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 s�ured by this Security Instivment, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attn'butable to the Properry wluch can attain priority over this Securiry Instrument, leasehold payments or grotmd rents on the Properry, if any, and Community Association Dues, F�s, 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 prompfly discharge any lien which has prioriry over this Security Instivment 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 Borrower is performing such agreement; (b) contests the lien in go� 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 proceadings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien wluch can attain priority over this Security Tnstrument, Lender may give Borrower 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 ab�ve 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 conn�tion with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter er� on the Properiy insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that I.ender requires. VJhat Lender r�uires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the inc�ransp shall be chosen by Borrower subject to Lender'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 charge for flood zone dPt inatipn, certification and ixacking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similaz changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fe�s imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Bonower. If Borrower fails to maintain any of the coverages descn'bed above, Lender may obtain inc�,.,�ance 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 Progerry, or the contents of the Property, against any risk, hazard or liability and might provide greatez 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 Bonower could have obtained. Any amounts disbursed by Lender under this Seetion 5 shall become arlditional debt of Borrower secured by this Securiry Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, u�n notice from Lender to Borrower recNesting PaYment. NEBRASKA-Single FamOy-Fannie Mes/FredtBe Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP � VMP81NE1 171061.0� Wolters Kluwer Finenciel Serviaes Paga 8 of 17