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201108063 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 tlus Security Instrument, Lender sha11 promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower sha11 pay all 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, Fces, and Assessments, if any. To the extent that these items are Fscrow Items, Borrower shall pay them in the manner provided in Section 3. Bonower shall promptly 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) 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 are concluded; or (c) secures from the holder of the lien an agreement sa.tisfactory to Lender suhordinating the lien to this Security Instru,ment. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Se,curity Instrument, Lender may give Borrower a norice idenrifying the lien. Within 10 days of the date on which that notice is given, Borrower sha11 satisfy 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 chazge for a real estate tax verification and/or regorting service used by Lender in connection with t�is Loan. 5. Property Insurance. Bonower shatl keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included_ within the term "extended coverage," and any other hazards including, but ttot limited to, ea.rthquak� and floals, for which Lender requires insurance. This insurance shatZ be ma.intained in the amounts (includ'mg deductible levels) and for the geriods that F.ender re4uires. What Lender requires pursuant to the pre,ceding sentences can change during the term of the T.oan. The insurance carrier 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 co��tion with ttus Loan, either: (a) a one-time charge for flood wne determination, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determinarion or certificarion. Bonower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in conne,ction with the review of any flood zone determination resulting from an objection by Borrower. If Bonower fails to maintain any of the coverages described ahove, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligarion to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not prote,ct Borrower, 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 eff�t. Bonower aclmowledges that the cost of the insurance coverage so obtained might significautly exceed the cost of inc,�rance that Bonower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Bonower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and sha11 be payable, with such interest, upon notice from Lender to Borrower requesting payment. NEBRASKA-Single Fami�y-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/O7 VMP � VMP6INE) (1105) Wolters Kluwer Financial Services Page 8 of 17 � h