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20120 required by RESPA, and Bonower 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 Bonower any Funds held by Lender. 4. ' Charges; Liens. Bortower shall pay all taxes, assessments, chazges, fines, and impositions attributable to the Properly which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, F�s, and Assessments, if any. To the extent that these items are Fscrow Items, Bonower shall pay them in the manner provided in Secrion 3. Borrower shall promptly dischazge any lien which has priority over this Se.curity Instrum�nt unless Bonower: (a) agrees in writing to the payment of the obligarion secured by the lien in a manner acceptable to Lender, but only so long as Bonower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings wluch 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�ment satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that aicy part of the Property is sutrject to a lien which can attain priority over this Security InstYVment, Lender ma.y give Borrciwer a�tice identifying the lien. Within 10 da,ys of the date on which that norice is given, Borrower shall satisfy the lie� or take one or more of the actions set forth above in this Section 4. Lender may require Bonower to pay a one-time chazge for a real estate tax verific�ation and/or reporting service used by I.ender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvemersts naw ea�isti�g or here�€ter eaected on the ProPertY insvred against loss by fire, hazards included withia t�e terr� "extendec� c�verage," aud any ather I�azards including, but not limited to, earthquakes and IIoods, for w1�i.ch Lender r�uires insurance. This ;nc,lransP shall be maintained in the amounts (including deducnble Ievets) anc� for tfie periods that �.ender requires. What Lender requires pursuant to the prece,cting sentences can chauge during the term of the Loan. Tlie insurance camer providing the insurance shall be chosen by Borrower 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 conn�rion with this Loan, either: (a) a one-time chazge for IIc�d wne determination, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or sim�ar changes occur vvfiicF�, reasonably might affect such determination or certificarion. Bonower shall also l� respo�ssible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review o� any flood zone determination resulting from an obje,ction by Borrower. If Bonower fails to maintain any of the coverages described above, L.ender may obtain insurance coverage, at Lender's optian and Bonower's expense. Lender is under no obligation to purchase any particular type or a�count 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 Pro�rty, against any risk, l�azard or liability and might provide greater or lesser coverage than was previously in eff�t. Bonower acknowledges that the cost of the insurance coverage so obtained might significantly excced the cost of in�,�rance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become addirional debt of Borrower se,cured 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 norice from Lender to Bonower requesting payment. NEBRASKA-Single Family-Fannie MaelFreddie Mac UNIFORM INSTRUMENT VMP � Wolters Kluwer Financial Servicas Form 3028 1/O7 VMP6(NE) (1105) Page 8 of 17 l��