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2012033�� required by RESPA, and Borrower 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 Borrower any Funds held by L.ender. 4. Charges; Liens. Bonower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain prioriry 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 are Escrow Items, Borrower shall pay them in the manner provided in 5ection 3. Bonower shall promptly dischazge any lien which has priority over this Security Insmiment unless Bonower: (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) s�ures from the holder of the lien an agreement satisfactory to Lender sulmrdinating the liea to this S�urity �nstrument. If Lender determines that any part of the Property is subje,ct to a lien wluch can attain priority over this Se,curity Instrument, Lender may give Borrower a notice 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 Secrion 4. Lender may regttire Borrower to pay a one-time charge for a reat estate tax verification andlor reporting seruice � by Lender in coffiection with this Loan. 5. Property [nsurartce. &»rrower shall keep the improvements now existizcg or here,after erected on the Property iasu.red against loss by fire, hazards included within the ter�c "extended covera.ge," anck aay other hazards incYudiug, but not Iimited to, earthquakes and floods, for which �.ender requires insurance. 'I'his insurance s1�aI1 be maintaine� in the amounts (including deductible levels) and for tlie periods tUat �.enider requires. Wbat Lender requires pursuant to the preceding sentences can change during the term of the �.oan. The insuranee carrier providing the insurauce shall be chosen by Borrowes subject to Lender's right to disapprove Bortower's choice, which right sha11 not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for fiood zone determination, certification and tracking services; or (b) a one-time charge for IIood zo�e �etermination and certification services arid subsequent chazges each time remappings or similar changes occur which reasonably might affe,ct such determinarion or certification. Bonower shall also be responsible for the payment of any fees imgoseri by the Federal Emergency Management Agency in connection with the review of any fiood 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 Bonower's expense. Lender is under no obligatian to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not grote,ct Bonower, Borrower'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 exc�eed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall hecome additional debt of Borrower secured by this S�urity 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-S(ngle Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP � Wolters Kluwer Financial Services Form 3028 1 /01 VMP6(NE) (17051 Page 6 of 7 7 . � �, � : �