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201210487 required by RESPA, and Borrower shall pay[o Lender the amount necessary to make up the deficiency in accordance with RESPA, 6ut in no more than 12 mont}ily payments. Upon payment in full of all sums secured by t6is Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, chazges, fines, and impositions attributable to the Property which can attain priority over this Security Instnunent, leasehold payments or ground renu on [he Property, if any, and Community Associa[ion Dues, Fces, and Assessments, if any. To the extent that these items are Escrow Items, Borcower shall pay them in the manner provided in Section 3. Borrower shall prompUy 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 Borrower is performing such agreement; (b)con[ests 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 enforcemen[of the lien w6ile those proceedings are pending, but only until such proceedings aze concluded; or(c) secures from[he holder of the lien an agreemem sa[isfactory to Lender subordinating the lien to this Security Instrument. If Lender determines thaz any part of the Property is subject to a lien which can attain priority over this Security Instrmnent, Lender may give Borrower a notice iden[ifying the lien. Within 10 days of the date on which that notice is given, Borruwer shall satisfy the lien or take one or more of the actions set forth above in[his Section 4. Lender may require Borrower ro pay a one-time charge for a real estate[ax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvemems now existing or hereafter erected on the Propetfy insured against loss by Gre, hazards included within[he[erm "extended coverage," and any other hazards including, 6ut 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 Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Boaower subject ro L.ender's right to disapprove Borrower's choice, which righ[ shall no[be exercised unreasonably. Lender may require Borrower to pay, in connec[ion with this Loan, eithar: (a)a one-time charge for flood wne determination, certification and tracking services; or(b)a one-time chazge for flood zone deternuna[ion and certification services and subsequent charges each tune remappings or similaz changes occur which reasoaably might affect such detersnination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Managemern Agency in connec[ion with the review of any flood zone determination resulting from an obje�tion by Borrower. If Borrower fails to maintain any of the coverages described a6ove, Lender may obtain insurance wverage, at L.ender's option and Borrower's expense. Lender is under no obligazion to purchase any particular type or amoun[of coverage. Therefore, such coverage shall cover I,ender, but might or might not pro[ec[ Bonower, Sorrower's equity in the Property, or the contents of[he Property, against any risk, hazazd or liabiliry and might provide greater or lesser coverage[han was previously in effect. Borrower aclrnowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amoun[s disbursed by Lender uuder this Section 5 shall become addi[ional debt of Borrower secured by this Security Instrument. These amounts shall bear imerest at the Note rate from the date of disbursement a�d shall be paya6le, with such interest, upon notice from Lender to Bonower requesting payment. NEBflASKA-Sngle FamAy-Fannle Mae/Fretleie Mac UNIFOHM INSTPUMEM Form 3028 1/01 VMP E VMP6ME)11105).00 W okers Kluwer Fnancial Sen¢es Page 6 oi 1]