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20�20�0 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 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 aze Escrow Items, Borrower shall pay them in the manner provided in Secrion 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 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 sulTOrdinaring the lien to this Security InstYVment. If Lender determines that any part of the Property is subject to a lien vvhich can attain priority over this S�urity Instnunent, Lender may give Borrower a norice identifying the Iien. Within 10 days of the date on which that notice is given, Bonower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Bflrrower to pay a one-time charge for a real estate tax verif�cation andlor regorting service used by Lender in connection with this Loan. 5. Property Insurar�ce. Bonower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended ooverage," and any ather hazards including, but not limited to, earthquakes and fioods, for wh'rch Lender requires insurance. This insurance shatl be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can chaBge during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to L.ender's right to disapprove Borrower's choice, which right shall not be exercised unreasonabIy. Lender may require Borrower to pay, in connecrion with this Loan, either. (a) a one-time charge for flood zone determination, certification and tracldng services; or (b) a one-time chazge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also he responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determinarion resiilting from an objection by Borrower. If Borrower fails to maintain any of the coverages descrihed above, Lender may obtain insurance coverage, at Lender's oprion and Bonower's expense. Lender is under no obligarion 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, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in efFect. Bonower acl�owledges 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 Bonower secure� 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-Stngle Family-Fannie Mae/Fr�die Mac UNIFORM INSTRUMENT VMP � Wolters Kluwer Financial Services Form 3028 1 /01 VMP6(NE) (7105) Page 6 of 17