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` 201108093 required by RESPA, and Borrower shall pay to Lender the amount necessary to malce up the deficiency in accordance with RE5PA, but in no more than 12 inonthly payments. Upon payment in full of al1 sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all tiaxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instruinent, leasehold payments or ground rents on the Property, if any, and Coinmunity 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 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 enfarcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures froin the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instruinent. 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 Borrower a notice identifying the lien. Within 10 days of the date on which fihat natice is given, Borrower shall satisfy the lien or talce 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 taac verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall leeep 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 not liinited 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 Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may rec�uire Borrower to pay, in connection with this Loan, either: (a)a one-time chaige for flood zoiie deterininatioii, certification and tracking services; or(b) a one-time charge for flood zone deterinination 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 payinent 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 Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense, Lender is under no obligation to purchase any particular type or amount af coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any rislc, hazard or liability and might provide greater or lesser coverage than 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 amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate fi•om the date of disbursement and shall be payable, with such interest, upon notice from Lander to Borrower requesting payinent. 231198 N�BRASKA•Single Femlly,Fannle Mae/Freddle Maa UNIFORM INSTRUMENT Form 3028 1/01 VMP Q VMP6(NE)(1105) Wolters Kluwer Financial Services Page 6 of 17