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201109241 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 this Security Instrument, L.ender sha11 promptly refund to Bonower any Funds held by Lender. 4. Charges; Liens. Borrower shall 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, Fees, and Assessments, if any. To the extent that these items aze Escrow Items, Borrower sha11 pay them in the manner provided in Section 3. �nower shall promptly dischazge 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 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) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien 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 Instnunent, Lender may give Bonower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall 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 charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now e�sting 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 limit� 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 cazrier providing the insurance sha11 be chosen by Bonower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Bonower to pay, in conne,ction with this 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 deternunation or certification. Bonower sha11 also be responsible for the payment 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 Bonower. If Bonower fails to maintain any of the eoverages described above, Lender may obtain insurance coverage, at Lender's option and Bonower's exgense. Lender is under no obligation to purchase any particulaz type or amount of coverage. Therefore, such coverage sha11 cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Properly, against any risk,hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges 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 from the date of disbursement and sha11 be payable, with such interest, upon notice from Lender to Borrower requesting payment. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP� VMPB(NE)(11051.00 Wolters Kluwer Financial Services Page 6 of 17