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�0�2020�� required by RESPA, and Bonower shall pay to Lender the amount necessary to make up the deficiency in accordance with RFSPA, 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, chazges, fines, and imposirions amibutable to the Properly which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Assaciation Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 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 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 pror.eedings which in Lender's opinion operate to prevent the enforcement of the lien while those proc.eedings a.re pending, but only until such proccedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instivment. If Lender determines that any part of the Progerty is subject to a liea wluch can attain priority over this Se.curity Instrument, Lender may give Borrovaer a notice identifyiag the Iien. Within 10 days of the date on which that notice is given, Borrower sha11 satisfy 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 real estate tax verificarion and/or reporting service used by Lsnder in coffiection with this Loan. 5. Ptoperty i�surance. Borrower shalI keep the improvements now existiag or hereafter er�ted on the Properly insured against loss by fire, hazards included within the term "extended coverage," and any other I�azards incIuding, but not limited to, earthquakes and floods, for which L,ender requires insurance. '�'his insurauce shatl be maintaEned in the amounts (includiug deductible Ievels) and for the perio�s tUat Lenc�es requires. VVhat Leader requires pursuant to the preceding sentences can change duri8g the term of the �.oan. The iasurance carrier providing the insurance shall be chosen by Borrower subject to I.eader's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in conaecrion with this Loan, either: (a) a one-time chuge for IIoo� zone cteterminatio�., certific,ation and tr�ldng services; or (b) a one-time charge for IIood zor�e c�etemzination and certification services and subsequent cbarges each time remappings or similaz changes occur which reasonably might affe,ct such determination or certificarion. B�orrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in conn�tion with the review of any flood zone determination resulting from an objecrion by Borrower. If Borrower fails to maintain any of the coverages described ahove, Lender may obtain insurance coverage, at T.ender's oprion and Bonower'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, Bvrrower's equity in the Properiy, 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 aclmowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Bonower could ha.ve obtained. Any amounts disbursed by Lender under this Section 5 shall become additional 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 L.ender to Bonower requesting payment. NEBRASKA-Single Family-Fannie Mae/Freddfe Mac UNIFORM INSTRUMENT VMP � Wolters Kluwer Finencial Services Form 3028 1/01 VMP6(NE) (1105) Page 6 of 17