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201201280 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 a11 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, 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 shall pay them in the manner provided in Se,crion 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation se,cured 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 opimon operate to prevent the enforcement of the lien while those proceedings aze pending, but onty until sucli proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to I.ender subordinating the Iieg to this Security Instrnment. If Lender determines that any parc of the Froperty is sul�ject to a lien which can attain griority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borro�ver shalI satisfy the lieII or take one or more of tite actions s� forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting ser�+ice used by Lender in coffiecrion with this Loan. 5. Prape�ty fnsurartce. Borrower shall keep the improvements n.ow elcisting or hereafter erected on the Property insured against Ioss by fire, hazards include� wittiin the terrn "extenciect coverage," anc� any other hazazds including, but not lnnited to, eazthquakes and tIoods, for wluch Le�der requires �n��r�ce. This ;n��*ance shall be mainta.ined in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the prer,eding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subj�t to Lender's right to disapprove Borrower's choice, which right shall not be exercise� unreasonably. L,ender may require Borrower to pay, in connection with this Loan, either: (a) a one-time chazge for fioad zone determination, certification and tracking �rvices; or (b) a one-time charge for flo�d zone �eterminatioa and certification services and subsequent charges each time remappings or similar changes occur whiclz reasonably might affeet such ctetermination or certification. Bonower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in conne,crion with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's oprion and Borrower's expense. Lender is under no obligarion to purchase any particulaz type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect 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 acl�owledges that the cost of the insurance coverage so obtained might significantly excsed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower s�ured by this Security Insmiment. 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/Fraddie Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP � VMP6(NEI (1105) Wolters Kluwer Finencial Services Page 6 of 17