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20120244� 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 tlus Security Instrument, Lender sha11 promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, 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, Fe,es, and Assessments, if any. To the extent that these items are Fscrow Items, Bonower shall pay them in the manner provided in Section 3. Borrower shall promptly dischazge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation s�ured by the lien in a manner acceptable to I.ender, but only so long as Borrower is performing such agre�ment; (b) contests the lien in good faith by, or defencts 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 agreement satisfa�tory to Lender subordinating the Iien, to this Security Instrument. If Lender determines that any part of the Property is subject to a lien wluch c�au attaia griority over this �Security Instrument, Lender may give Borrower a natice idenrifying the lien. Vt�ithin IO days of the date on wtuch that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Secrion 4. Lender may require Borrower to pay a one-time charge for a real estate tax verif�cation and/or re�rting servicx used by Lender in connecrion. with ttiis I.c2an. 5. Paoperty► tnsWrance. Borrower shall keep the im�rovements now existi.IIg or hereafter erected on the Froperty insured against loss by fire, hazards iaciud� wit�un tt�e term "extended coverage," and any other bazards i�luding, but not limited to, earthquakes anc� 800ds, for whir� Lender requires insurance. This insurance shall be maintained in the amovnts (inciuding deducribie levels) and for the geriods that Lender requires. V�Vhat Lender requires putsuant ta the preceding sentences can change duri.ng the term of the Loan. The insusance carrier providing the inc�rrance shall be chosen by Borrower subject to Lender's right to disa.pgrove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a} a one-time charge for IIood zone detennination, certefication and tracldng services; or (b) a one-time charge for Sood. zoIIe determiIIation and certification ser�ices and subsequent charges e,ach tinie remappings or sirnilar changes occur which reasonably might aff�t such detemrination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in conue,ction with the review of any flood zone deteimination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at I.ender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage sha11 cover Lender, but might or might not protect Borrower, �orrower'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 acknowledges 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 tlus Secrion 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 notice from Lender to Bonower requesting payment. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP Q VMP61NE) (1105) Wolters Kluwer Financial Services Page 8 af 17