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� 201109300 required by RESPA, and Borrower shall pay to Lender the amount necessary to malce up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all swns secured by this Security Instniment, Lender shall promptly refund to Bonower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions amibutable to the Property which can attain priority over this S�urity Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, FePS, and Assessments, if any. To the extent that these items are Escrow Items, Bonower shall pay them in the manner provided in Section 3. Bonower sha11 promptly discharge any lien which has priority over this Security Instrument unless Bonower: (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 procee�ings 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 Properly 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 that norice is given, Bonower 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 chazge for a real estate tax verification andlor reporting service used by Lender in connection with this Loan. 5. Property Insurance. Bonower shall k�p 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 limited to,earthquakes and floods, for which Lender requires insurance. This insurance sha11 be ma.intained 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 sha11 be chosen by Bonower subj�t to Lender's right to disapprove Borrower's choice, which right sha11 not be exercis�unreasonably. Lender may require Bonower to pay, in connecrion with this Loan, either: (a)a one-time charge for flood zone 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 similaz changes occur which reasonably might affect such detemunation or certification. Bonower shall also be responsible for the payment of any fees imposed by the Federal Emergency Mana.gement Agency in connection with the review of any flood zone determination resulting from an objection by Bonower. If Bonower fails to ma.intain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Bonower'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 prote�t 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 effect. Borrower aclrnowledges that the cost of the insurance coverage so obtained might significantly exc.eed the cost of insurance that Bonower could have obtained. Any amounts disbursed by Lender under this Section 5 shall bei;ome addirional 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 Bonower requesting payment. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP� VMP8INE)(17051.00 Wolters Kluwer Financial Services Page 8 of 77