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201200890 required by ILESPA, and Bosower shall p�.y to Lendei the amovnt necessary to make up the deficiency In accordance with RESPA, but iu no more tban ]2 monthly payments. Upon paymc.nt in full of all sum�secured by this Security Instrument, Lender shall proinpdy refund to Borrower any Funds held by Lender. 4. Charges; Liens� Borrower shall pay a11 taxes, assessments, charges, fines, and impositions attributable to Che Properry which can attain priority ovcr this Securitv Ins[rumcnt, leasehold payments or ground rents on the ProperLy, if any, and Community Assoc,-iation Dues, Pces, and Assessmenks, if any. To the extent that these Ite�s are EsGrow Items, Borrower nhall pay the�n in the manner provided ix�Sec6on 3. Borrower shall promptly discharge any lien which has priority over this Security Instnunent unless Boaower: (a) agrezs in writing to the payment of the obligafion secured by the lien in a manaer acceptable fo Leader, but only so long as I3orrowec iS perfonning such agceement; (U) contests f7ie lien in good faiYh by, or defends aga.uist en�orcemenf o�ttte lien in, legal proceediags whicb.in Lender s oyinion opexate tp prevent the enforcement of thc lien u�hile those proceedings are pending, but only uuti] such proceedings are concluded; or(c) secures from the holder of the lien an ageexnent satisfactory to,Lender subordinating Yhe lien to tUis Securlty Iastrument. If Lender detennineg that any part of the Property is subject to a lien which can attain priority over tl�is SecuriYy Tiystnunent, Lender may�ve Borrowcr a nofice identifying the fien. Withiu 10 dags of Ehe datc ou whieh that notice is given, Botrower shall safisfy the lien ar take one or more of the actions sat forth above in this Section 4. Lender may require Borrowex to pay a one-tirne charge for a real estatc tax verificarion and/or reporling sercice used by Lender in connection with tYris Loan. 5. PropeYty InSU�ance. Barrower sha11 keep the impxovenieuts now existing Or h�eafrer arected on the Properiy insured against Loss by fire, hazazds Ineluded withiu the term"extendad coverage," and any otber �ds including, but not limited to, earthquakes and floods, for wluch Lender requlres insurance. Tlus insurance sha11 be m2intained'm the amounTS Cncl"��n�deductible le�rcls) and far the peYiods that L€.nder requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. Thc insurance carrier providing the insurazice shall be chosen by Borrower subject to Lznder's right to di,approve Boccower's ehoice, which right Shall not be escrcised unceasonahly. Lender may requixe Borro��er to pay, in conneetion witih this Loan, either. (a) a one-time char�e��for flood zone detennination, certi$cafion and tracldng services; or (bj a one-time charge£or flood zone deter.ninarion and cerfificalion sen-ices and subsequent charges each time remappv5.gs or similar changes oGCUr which reasonably might affect such determination or certification. Bocro�uer shall also be responsible for the payment of any fees imposed�y the Pederal Emergeney Mu�agement Agzncy in connection with rhe revie�u o£any flood zone detercnuiarion resiSting fr�m an ohjectinn,hy Rorrower. If Borrower fails to maintain any of tfie coverages described above, Lendea-may obtain insurance coveragc, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or ainoimt of coverage. Therefore; such coverage shall cover Lender, buL mighi or ini�ht not protect Borrower, Borrower's equity in the Proycrry, or the contents of the Properiy, against any risk, huazd or liability and znight provide greater or lesser covexage than wa4 prcviously in effeck Boaower aakno�ledges that tk�e cost of the insurance coverage so ob[ained might sinnificantly exceed the cost of insurauce that Borrower could have obtained. Any atnounts disbursed by Lender undcr tl�is Section 5 shall become addirional debt of Borro�er secured by ihis Security Insfrument. These amounts sliall Uear interest at the Note rate from the date of disbursement and shall 6e payable, with such interest, upon nofice from Lender to Bo3sowa requcsting payment. zaaoaisa NBRASKA-Single Famiy-Fannie M ae✓Fretldie M ac�NIFORIA INSTRpM E�T Porm 3028 1/01 VMP rg' VM P6(NE)(i 105) wolcers Kluwer Financial Services Pags 6 ot 1]