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�0�2�935� 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 secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Bonower sha11 pay all taxes, assessments, charges, fines, and impositions amibutable to the Property which can attain priority over this Security Inst�vment, 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 obligarion secured by the lien in a manner acceptable to Lender, but only so long as Bonower is performing such agr�ment; (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 the enforcement of the lien while those proceedings are pending, but only until such proceedings aze concluded; or (c) secures from the holder of the lien an agreement saatisfactory to Lender subordinating the Iien to this Se,curity Instrument. If Lender determines that any part of the Property is subject to a Iien which can attain priority over tlus Security Instrument, Lender may give Borrower a notice idenrifying the lien. Within 10 days of the date on which that notice is given, Borrower sha,ll sarisfy the lien or take one or more of the actioms set forkh above in this Secrion 4. I.ender may require Borrower to pay a one-time charge for a reaZ estate tax verification anc}lor reporting service used by Lender in connection with this Loan. 5. Property {nsurance. Borrower sha11 keep the improvements now existing or hereafter ereeted on the Property insur� agaiust Toss by fire, hazards included within the term "extended coverage," and any other hazards includiag, but not Iimited to, earthquakes and floods, for wluch Lender requires insurance. This insurauce shatl be maintained in the aznounts (including deducrible 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 cazrier providing the insurance 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 Bonower to pay, in conn�tion with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracldng services; or (b) a one-time charge for flood zone determination and certification services and subsequent chazges each tnne remappings or similar changes occur which reasonably might affect such determination 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 Bonower. If Borrower fails to maintain any of the coverages descrihed aUove, Lender may obtain insurance coverage, at Lender's option and Bonower's expense. Lender is under no obligation to purchase any particular type or aznount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Bonower, Borrower'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 acknowledges 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 sha11 become additional debt of Bonower secuted 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-Sing�a Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP p VMP6{NE) (1105) Wolters Kluwer Financtal Services Page 6 of 17