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�0�20139� required by RE,SPA, 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 all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Bonower 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 are Fscrow Items, Bonower shall pay them in the tnanner provided in Section 3. Bonower 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 Bonower is performing such agre,ement; (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 proceedings are pending, hut only until such proceedings are concluded; or (c) se.cures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that axcy gart c�f the Property is subject to a lien which can attain priority over this Se,curity Instrument, Lender may give �oarov�rer a notice ic�entifying the lien. With�,10 days of the date on which that notice is given, Baraowes shall: sarisfjr the lien or talce one or more of the actions set forth above in this Section 4. I,e�der may require Borrower to pay a one-time chazge for a real �tate tax verification and/or reporting service usec� by Lender in connection with this Loan. 5. Properey ��serran�e. Borrower shall keep the improvements now existing or herea,fter erected on ttce P�perty i� against lass by fire, hazards incIuded within the ter�rs "extended caverage," aBd. any other hazards inctue�ing, but not limited to, earthquakes and floods, for vKhich Lender requires insvr�ance. '�'his insuraace shatl be maintained in the amounts (including deductible Ievels) and for the periods that I.eader requires. What Lender requires pursuaut to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be cho�n by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Bortower to pay, in connecrion with this Loan, either: (a) a one-time charge for flood zone determinarion, certif�cation aud tracking services; or (b) a one-time charge for flood zone determinarion anct certification services anc� subsequent charges each time remappings or simi.lar changes oecur which reasonahty might affect such determinarion or certification. Borrower shail also be responsible for the payment of any fees imgosed by the Federal Emergency Management Agency in connection with the review of any flood zone determination restilting from an objection by Borrower. If Bonower 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 obligation to purchase any particulaz type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not pmtect Borrower, Borrower's equity in the Property, or the contents of the Property, agaiast any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Bonower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Bonower could have obtained. Any amounts disbursed by Lender under this Se,crion 5 shall become addirional debt of Bonower 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 Famlly-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP Q VMP6WE) (1105) Wolters Kluwer Financial Services Page 6 of 17