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20120113� required by RESPA, and Bonower 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, Lender shall promptly refund to Bonower any Funds held by Lender. 4, Charges; Liens. Borrower shall pay all taxes, assessments, chazges, fines, and impositions amibutable to the Property which can atta.in priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if atty. To the extent that these items are Escrow Items, Bonower shall pay them in the manner provided in Section 3. Borrower shall promptly dischazge any lien which has priority over this Security Instrument unless Bonower: (a) agr�s 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 agr�ment; (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 pmceedings are pending, but only until such proceedings are concluded; or (c) s�ures from the holder of the lien an agreement satisfactory to Lender suhordinating the iiea to this S�urity Instrument. If Lender determines that any part of the Property is subj�t to a lien which can attain priority over this Security Instrument, Lender may give Borrower a aotice identifying the lien. V�'ithin IO days of the date on which that notice is given, Borrower sball sarisfy the lien or take one or more of the acrions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a reat estate tax verification and/or reporting service used by Lender in connecrion with ttus Loan. 5. Property Insurance. Borrower shall ke.ep the improvements now exisEing or hereafter erected on the Property insu,re� against loss by fire, hazards included within the term "extendec� coverage," and any other hazards including, but not limited to, earthquakes and floods, for wluch Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. �Vhat Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subje,ct to Lender's right to disapprove Borrower's choice, which right sha11 not be exercise� unreasonably. Lender may require Borro�rer to pay, in couuection with this Loan, either: (a) a one-time charge for flood zone determination, certification a� tracking services; or (b) a one-time charge for flood zone determination and certification serrTic� and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in counection with the review of any flood zone determination resulting from an obj�rion by Borrower. If Borrower fails to maintain any of the coverages described above, Lender �y obtain insurance coverage, at Lender's oprion and Borrower's expense. Lender is under no obligarian tQ purchase any particular type or amount of coverage. Therefore, such coverage shall cover I,ender, but might or might not prote,ct Borrower, Borrower's equity in the Property, or the contents of the Pro�rty, 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 excced the cost of in�,��nce that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall bec:ome additional debt of Borrower secured by this S�urity 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 Famlly-Fannie Mae/Freddie Mac UNIFORM �NSTRUMENT VMP � Wolters Kluwer Financfal Services Form 3028 1 /01 VMP6(NE) (1105) Page 6 of 17