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201i06794 required by RESPA, and Bonower sha11 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 fu11 of all sums secured by this Security Instrument, Lender shall promptly refund to Bonower any Funds held by Lender. 4. Charges; Liens. Bonower shall pay a11 taxes, assessments, charges, fines, and impositions attributable to the Property 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, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien wluch 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 L.ender, but only so long as Borrower 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 aze pending, but only until such proceedings aze concluded; or (c) s�ures from the holder of the lien an agr�ment satisfactory to Lender subordinating the lien to this S�uritg Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Bortower a norice 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 Borrower to pay a one-time charge for a real estate tax verification and/or reporting service usecfi by Lender in connecrion with this Loan. 5. Propsrty It�surance. Aorrower sha11 keep the improvements now existing or hereafter erected on the Properiy insct� agaiast Ioss by fire, hazatds included within the terna "extended coverage," and any other hazar�s inctud�g, b� �tot Ii�rcitec� to, earthquakes and floods, for which Lender requires insurance. 'Fhis insurauce shatl be maiatai� in the amounts (including deductible levels) and for the periods that Lender requires. �VVhat Lencier requires pursuant to the preceding sentences can change during the term of the Loan. The ine„r�n� �� 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 Borrower to pay, in comiecrion with this Loan, either: (a) a one-time charge for flaod zone determinarion, certificatio� aac� tracking services; or (b) a one-time charge for flood zone determination and certification services anc� subseque� charg�s each time remappings or similar changes accur which reasonably miglnt affe,ct suci� cieternunation or certification. Borrower shall also be responsible for the payment of any fces imposed by t�e Federal Emergency Mana.gement Agency in connection with the review of any IIood zone ctetemvnation resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may abtain insurance coverage, at Lender's oprion and Borrower's expense. Lender is under no obligation to purchase any particulaz type or amount of coverage. Therefore, such covera.ge shall cover Lender, but might or might not prot�t Bonower, Bonower'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 aclmowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Bonower could have obta.ined. Any amounts disbursed by Lender under ttus Secrion 5 shall become additional debt of Bonower se,cured 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/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/Ot VMP � VMPPa9e}s1�10 �1 Wolters Kluwer Financial Services