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203.2n��2; 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 all sums secured by this Security Instnunent, Lender shall promptly refund to Bonower 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 Associarion Dues, F�s, and Assessments, if any. To the extent that t6ese 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 L.ender, 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 proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agre,ement satisfactory to Lender subordinating the �ien to this Security Instrument. If Lender determines that auy part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give BQrrower a norice identifying the lien. Within 10 days of the date on wlvch that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Botrower to pay a one-time charge for a real estate tax verification and/or reporting serr�ice used by Lender in connection with this Loan. 5. Prap�rrty fnse�ra�ece. Borrower shall keep the improvements novv existiag or hereafter erected on the Property insured against loss by fire, hazards included witfiin the term "extended coverage," and any other hazards including, but not limited to, earthquakes and IIoods, for which Lender requires insurance. This ;��*ance shall be maintained in the amounts (including dectuctible 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 Bonower subje,ct to Lender's right to disapprove Bonower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in coanection with this Loan, either: (a) a one-time chazge for flood zone determinarion, certification and tracking services; or (b) a one-time charge for flood zone determinarion and certification services and subsequent charges each time remappings or similaz changes occur which reasonably might affect such determination or certification. Bonower shall also be responsible for the payment of any fees imposeci by the Federal Emergency Management Agency in conn�tion with the review of any flood zone determination resulting from an objection by Bonower. If Borrower fails to maintain any of the coverages described above, l.ender may obtain insurance coverage, at Lender's option 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 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 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 Section 5 shall become 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 Family-Fannie Mae/Freddle Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP � VMP6(NE) (1105) Wolters Kluwer Financial Services Page 6 of 17