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20�201284 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 fu11 of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Bortower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain prioriry 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, 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) 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 wluch in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are gending, but only until such proceedings are concluded; ar(c) s�ures 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 Property is subject to a tien which can attain priority over this Se,curity Instrument, Lender may give Borrower a notice identifying the lien. Within IQ days of the date on which that notice is given, Borrovaer shail satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-rime charge for a re,al estate t�x verific�tion andJor reporting service used by Lender in connection with this I,oan. 5. Property lresteraeec�. Borrower shall keep the improvements now existiag or kereafter e�xt� on the Property � against loss by fire, hazards included within the term "extended coverage," aa� any Qther hazards including, b�ti not limitect to, earthquakes and floods, for wbich Lender requires insurance. This insora�ce slJall be ma.intained in the amounts (including deducrible Ievels) 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 shall be chosen by Bonower subject to LeIIder's right to disapprove Bortower's choice, wluch right shall not be exercised nnr�aconably. Lencter may require Borrower to pay, in coffi�tion with this Loan, either: (a) a one-time chazge for flood zone deternrination, certification and tracking services; or (b) a one-time charge for flood zone ctetermination and certification services aad subsequent charges each time remappings or similar changes axur which reasonably rmgfit affect sach determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Mana.gement Agency in connecrioa with the review of any flood zone determination resiilting from an objecrion by Bonower. If Bonower fails to maintain any of the coverages described above, I,ender may obtain insurance coverage, at Lender's oprion and Borrower'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 protect Borrower, Bonower's equity in the Property, or the contents of the Property, aga.inst 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 Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Bonower secured by tYus Security Instrument. These amounts sha11 bear interest at the Note rate from the date of disbursement and sha11 be payable, with such interest, upon notice from Lender to Bonower requesting payment. NEBRASKA-Single Family-Fannfe Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP � VMP61NE) (1105) Wolters Kluwer Financfal Services Page 6 of 17 < °