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20120376� 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 sha11 promptly refund to Bonower any Funds held by Lender. 4. Charges; Liens. Borrower 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 Associarion Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Bonower shall pay them in the manner provided in Section 3. Bonower shall promptly discharge any lien which has priority over this Security Instrument uniess Borrower: (a) agrces 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 which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concludal; or (c) se.cures from the holder of the lien an agreement satisfactory to Lender subordinating the lien m this Security Instrument. If Lender determines that any part of the Progerty is subject m a IieII which can attain priority over this Security Instrument, Lender may give Borrower a notice i�entifying the lien. VVithin 10 days of the date on which that notice is given, Borrower s}aatl satisfy the lien or take one or more of the actions set forth above in this Secrion 4. I.ender may require Borrower to pay a one-time charge for a real estate tax verificarion andlor reporting service used by Lender in connection with this Loan. 5. Property Insurance. Bonower shall keep the improvements now e�cisting or hereafter erected on the Property insured against loss by fire, hazards included withia the term "extended covera.ge," anct any other hazards including, but not Iimited to, earthquakes and So�s, for which Lender requires insurance. Tbis ;na�rance shall be maintained in the anwunts (including deductible levels) and for the periads that Lender requires. What Lender requires pursuant to the pre,ceding sentences eau ehange during the term of the Loan. The �na carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shatl not be exercised unreasonabTy. Lencier may require Borrower tQ pay, in connecrion with this Loan, either: (a) a o�ce-time charge for flood zone det�n�nar�on, certification and tracking services; or (b) a one-time charge for floorY zone determination and certification services and subsequent charges each time remappings or similar 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 connection with the review of any fiood zone determination resulting from an obj�rion by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover I,encter, but might or might not protect 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 effe,ct. 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 this Secrion 5 shall become additional debt of Bonower secured 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 Borrower requesting payment. NEBRASKA-Single Family-Fannie MaelFreddie Mac UNIFORM INSTRUMENT VMP Q Woliers Kluwer Financial Services Form 3028 1 /01 VMP6�NE) (1105) Page 6 of 7 7