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20110894� 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 full of all sums secured by this Se,curity Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Bonower shall pay all taxes, ass�ssments, 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 aze Escrow Items, Bonower sha11 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 obligarion securec� by the lien in a manner acceptable to Lender, but only so long as Bonower 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) s�ures from the holder of the lien an agreement satisfactory to Lender subordinating the Iien to this Security 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 Borrower a norice idenrifying the lien. Within 10 days of the date on which that norice is given, Bonower shall satisfy the lien or take one or more of the actions set forth above in this Se,ction 4. Lender may require Borrower to pay a one-time charge for a real estate talc verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Bonower shall ke.ep the improvements now existing os hereafter ere,cted on the Property insured against loss by fire, hazazds included within the term "extended coverage," and any other fiazards including, but not limited to, earthquakes and floods, for which L,euder requires insurance. This insurance shall be maintained in the amounts (including deductible Ievels) and for the periods that Lender requires. What Lender requires pursuant to the pr�eding sentences can change during the term of the Loan. The �nc�n�ansP carrier providing the insurance shall be chosen by Borrower subje�t to Lender's riglnt 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 charge for fiood 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 certificarion. Borrower shall also be responsible for the payment of any fees im�pose,ci by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. Tf Bonower 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 of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Bonower, �rrower'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 acl�owledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could ha.ve obtained. Any amounts disbursed by Lender under this Secrion 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 shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. NEBRASKA-Single Family-Fannfe Mae/Freddie Mac UNIFORM INSTRUMENT VMP � Wolters Kluwer Financial Services Form 3028 1 /O1 VMP61NE) (1105) Page 8 of 17 � � +.