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201108377 required by RESPA, and Bonower shall pay to Lender the amount necessary to make up the deficiency in accordance with RE5PA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this S�urity Instnunent, Lender shall promptly refund to Bonower any Funds held by Lender. 4. Charges; Liens. Bonower shall pay all taxes, assessments, charges,fines, and impositions attributable to the Property which can attain priority over this Security Instrum�nt, 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 stiall pay them in the manner provide�in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Insmiment unless Bonower: (a)agrees in writing to the payment of the obligation s�ured by the lien in a manner acceptable to Lender, but only so long as Bonower is perfornring such agr�ment; (b)contests the lien in good faith by, or defends againsf 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 lien to this Security Instrument. If Lender detemunes that any part of the Property is subj�t to a lien which can attain priority over this S�urity Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Bonower shall satisfy the lien or take one or more of the actions set forth above in this S�tion 4. Lender may require Borrower to pay a one-time chazge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower sha11 keep the improvements now existing or hereafter erected on the . Property insured against loss by fire, hazards included within the term "eztended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance sha11 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 Bonower subject to Lender's right to disapprove Bonower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a)a one-time chazge for flood zone deternunation, certification and tracking services; or(b)a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similaz changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any f�s imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Bonower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Bonower's expense. L.ender is under no oliligation to purchase any particulaz type or amount of coverage. Therefore, such coverage shall cover Lender,but might or might not protect Borrower, 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 eff�t. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Bonower 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 shall bear interest at the Note rate from the date of disbursement and sha11 be payable, with such interest,upon notice from Lender to Bonower requesting payment. NEBRASKA-Si�gle Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP 0 VMP61NE)111051.00 Wolters Kluwer Financial Services Page 6 of 17 .p,c