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2 01204354 required by RESPA, and Bonower shall pay to Lender the amount necessary to make up the deficiency in accordance with RFSPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instnunent, Lender sha11 promptly refund to Bonower any Funds held by Lender. 4. Charges; Liens. Bonower shall pay all taxes, assessments, charges, Fines, and impositions amibutable to the Properiy which can attain priority over this Security Instrument, lea�hotd payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Ass�essments, if any. To the extent that these items are Escrow Items, Bonower shall pay them in the manner provide� in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secur� 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 proceed.ings 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) secures from the holder of the lien an agreement satisfactory to Lender subordinating the Iie11 to tl�s SeCUxity Inctrn±►±ent. If Lender determines that any part of t�e Pmperty is subje,ct to a Iien wiuch can attain priority over this Security Tnstrument, Lender may give Borrower a notice idenrifying the lien. Within 10 days of the date on which tbat notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth almve in tius Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reportiag service vsed by I.ender in cognection with this Loan. 5. PropecEy le�sura�ce. Bonower sball keep the impmvements now existiag or fiereafter erected on the Progerty insured against loss by fire, hazards inclu�ec� withia the term "exteaded coverage," a� any other hazards including, bui not limitect to, earthquakes and �Ioods, for whicfi T.e�cFer reqiures insurance. 'T�his insurance sha11 be maintained in the amounts (including deductible Ievels) aud for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can char►ge during the term of the Loan. The iasurance carrier providing the insurance shall be chosen by Bnrrower subje,ct to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. I.ender may rec}uire Borrower to pay, in connecrion with tlus I.oan, either: (a) a one-rime charge for �ooc� zone determination, certificarion and tracking services; or (b) a one-time chuge for fto� zcme determination and certificarion services and subsequent charges each time remappings or simiiar changes occur wluch reasonably might affect such determination or certification. Borrower shall also be responsib2e for the payment of any fees imposed by the Federal Emergency Management Agency in coffiecrion with the review of auy ftood zone determination resulting from an objecrion 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 obligation to purchase any particulaz type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not prote.ct Bonower, Borrower's equity in the Property, or the contents of the Progerty, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in eff�t. Borrower acknowledges that the cost af the insurance covera.ge so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Se,ction 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall hear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon norice from Lender to Borrower requesting payment. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP � Wokers Kluwer Financlal Services Form 3028 1 /01 VMP6(NE) (11051 Page 6 of 17 � . . , � � � �f