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20�2Q2�7� 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 S�uriry Instrument, Lender shall promptly refund to Bonower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and imposirions 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, Bonower shall pay them in the manner provided in Secrion 3. Bonower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation se,cured 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 praceedings are concluded; or (c) s�ures from the holder of the lien an agreement satisfactory to Lender subardinating the lien to this Se.curity Instsvment. If Lender determines that any part of the Property is subJect to a lien wluch cau attain priority over this Se,curity Instniment, Lender ma.y give Borrower a norice identifying the lien. Within 10 days of the date on which that norice 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 Borrower to pay a one-time charge for a real estate tax verification and/or reporting service useci by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erect� on the Property insured against loss by fire, hazards included vvithin the term "extended coverage," and. any other kaaards including, but not limital to, earthquakes and IIoods, for which Lender requiress insurance. This inscuance shall be maintained in the amounts (including cfiec€uctibTe Ievels) anct for the periods that Lender requires. What 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 Borrower subj�t to Lender's right to disapprove Borrower's choice, which right shall not be exercised unteasonably. Lender may require Borrower to pay, in counection with ttus Loan, either: (a) a one-time charge for fiood zoue determination, certification and tracking services; or (b) a one-time charge for flood zone determinatiore anck certification services and subsequent charges each rime remappings or simiIar changes occur wluch reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connecrion with the review of any flood zone determination resulting from an objection by Borrower. If Bonower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's oprion and Borrower'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 effe,ct. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exc,eed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become addirional debt of Bonower secured by this Securiry 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-Single Femily-Fannie Mae/Freddfe Mac UNIFORM INSTRUMENT VMP p Wolters Kluwer Financial Services Form 3028 1 /01 VMP6INE) (7105) Page 6 of 17 � � �, ,