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20120203Q required by RESPA, and Borrower shall pay to Lender the atnount 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 Bonower any Funds held by Lender. 4. Charges; Liens. Bonower shall pay all taxes, assessments, charges, fines, and impositions amibutable 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, Fees, and Assessments, if any. To the extent that these items aze Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this �curity 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 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 agreement satisfactory to Lender subordinating the Iien to this Security Instnunent. If Lender determines that any part of the Property is subje,ct to a lien which can attain priority over this Security Instrument, Lender may give Borrawer a norice identifying the lien. �Vithin 10 days of the date on which that norice is given, Borrow+er sball satisfy the lien or take one or more of the actions set forth above in this Secrion 4. Lender may require Bonower to pay a one-time chazge for a reat estate tax verificarion andJor reporting service usecY by Lender in conn�rion with this I.oan. 5. Property ie�surance. Borrower shall keep the improvements now existing or hereafter er�ted on the Progerty insured against Ioss by fire, hazazds included within the term, "extended coverage," and atty other haaatds including, but not limited to, earthquakes and floods, for wluch Lender requires inti�urance. This insurauce sl�a}I be maintained in the amounts (including deductible levels) and for the periods that Lender requires. �Vha,t Lender requires pursuant tv the preceding sentences can change during the term of the Loan. The insuraace carrier providing the insurance shall be chosen by Borrower subj�t to Lender's right to disagprove Borrower's choice, which riglnt shall not be exercised unreasonably. Lender may require Borra�rer tc� pay, in conne,ction with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracldng services; or (b) a one-time charge for fl�d zone determinaxion and certification services and subsequent chazges each time remappings or similar changes occur which reasonably nright affect such determination or certificarion. Bonower shall also be respansible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of azry IIood zone determination resulting from an objection by Bonower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option 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, Borrower's equity in the Property, or the contents of the Property, agai�st any risk, hazard or liability and might provide greater or lesser coverage than was previously in eff�t. Borrower acl�owledges 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 S�tion 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the da.te of disbursement and shall be payable, with such interest, upon norice from Lender to Bonower requesting payment. NEBRASKA-Single Fami�y-Fannie Mae/Fraddie Mac UNIFORM INSTRUMENT VMP � Walters Kluwer Financial Services Form 3028 1 /01 VMP6(NE) (1105) Page 6 of 17 �