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�oi2o�o2� required by RESPA, and Borrower 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 fu11 of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, chazges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Properry, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items aze Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this S�urity 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 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 proc,eedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agr�ment satisf�tory to Lender subordinating the Iien to this Security Instrument. If Lender detemrines that any part of the Property is subject to a lien which can attain priority over this 5ecurity Instrument, Lender may give Borrower a ncitice ic�entifying the lien. �ithin 10 days of the date on which that notice is given, Borrower shali sat�sfjr the Iien or take one or more of the actions set forth above in this �crion 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or regorting service usea by Y.ender in c,onmection with this Loan. 5. Propesrty tns�eraeice. �arrawer shall keep the impmvements now exisziFCg or here�fter erected on th.e Pro�rly ince�r� ag�st Ioss by fire, hazards included within the term "extended caver�ege, " and any other ha2ards including, but aQt Iimited to, earthquakes and floods, for which I.ender requires it�surance. 'Fhis insurance shatl be maintaili� in the amounts (including deducrible levels) and for the periods tl�at Lender requires. �Vhat I.�der re4uires pursuant to the preceding sentences can change during the term of the Loan. The insuraace carrier providing the insurance shall he chosen by Borrower subj�t to L.ender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in coffiec�ion with this Loan, either: (a) a one-time charge for flood zone determiaation, certification and tracking services; or (b) a one-time charge for flood zone determinarioa and c�rtific�tion services azcc� sv6sequent charges each time remappings or similar changes accur which reasonably might affect such c�eiermination or certification. Borrower shall 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 detemunation resulting from an obj�tion by Bonower. If Borrower fails to maintain any of the coverages described above, �,enc�er 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, hut mig� or might not protect Bonower, Borrower's equity in the Property, or the contents of the Property, againsE aay 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 Borrower could have obtained. Any amounts disbursed by Lender under this Secrion 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 shall be payable, with such interest, upon notice from Lender to Bonower requesting payment. NEBRASKA-Single Family-Fann(e Mae/Freddie Mac UNIFORM INSTRUMENT VMP � Wolters Kluwer Financtal Services Form 3028 1/01 VMP6(NE1 f1105) Page 6 of 17