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201107715 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. Ugon payment in fu11 of all sums se,cured by this Security Instnxment, Lender shall promptly refund to Bonower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all ta.xes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Securiry 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 aze Escrow Items, Bonower sha11 pay them in the manner provided in Section 3. Borrower shall promptly dischazge any lien which has priority over this Security Instrument unless Bonower: (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 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 are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the Iien to this Se,curity 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 Bonower a notice identifying the lien. Within 10 days of the date on which that notice is given, Bonower shall sarisfy 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 estate tax verificarion and/or reporting service used by Lender in connection with this Loan. 5. Property Insuranae. Bonower 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 hazards including, but not limited to, earthquakes and floods, for which Lender requir�s insurance. This insurance sha11 be maintained in the amounts (including deductible levels) and for the periads 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 Bonower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require B�rrrower to pay, in conne,ction with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracldng services; or (b) a one-time charge for fiood zone determinarion and certification services and subsequent charges each time 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 Mar�agement Agency in connecrion with the review of any �Tood zone determinarion resulting from an objection by Bonower. If Bonower fails to ma.intain any of the coverages described above, Lender may obtain insurance coverage, at Lender's oprion and Bonower's expense. Lender is under no obligation to purchase any particular type or atnount of coverage. Therefore, such coverage sha11 cover Lender, but might or might not protect Borrower, Bonower's equity in the Property, or the contents of the Properry, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Bonower acknowledges that the cost of the insurance coverage so obtained might significantly exc.eed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Bonower s�ured by this Security Instrument. These amounts sha11 bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon norice from Lender to Bonower requesting payment. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/O7 VMP Q VMP Page , 6 of 17� Wolters Kluwer Financial Services