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�� 1��0 4� 0 �i 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 s�ured by this S�urity Instnunent, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, chazges, fines, and impositions attributable to the Properry 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 are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Bonower: (a) agrces in writing to the payment of the obligation 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 goad faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opuuon operate to prevent the enforcement of the lien wlule 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 Lsnder subordinating the lien to tlus Security Instrument. If Lender determines that any part of the Progerty is subje�ct to a lien which can attain priority over this Security Instrument, I.ender may give Borrower a notice identifying the lien. Within 10 days of the date on which that norice is given, Borrower shatI satisfy the liea or take oue or more of the actions set forth above in this Section 4. Lender ma.q require Bortower to pay a one-time charge for a reat estate tax verificarion and/or reporting service used by Lender in co�mection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Progerty insure,cl against loss by fire, hazards included within the term "extended coverage," and a�cy other hazarc}s including, but not limited to, earthguakes and fioods, for which Lender rec}uires iasuraBCe. This insurance shall be maintained in the amounts (including deducrible levels) and 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 cflosen by Borrower subje.ct to Lender's right to disapprove 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 flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination aad certification services and subsequent charges each time remappings or similar changes axur wluch reasonably might affect such determinarion 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 flood zone determination resulting from an objection 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 Lender, but might or might not protect Borrower, Bonower's equity in the Property, or the contents of the Progerty, against any risk, hazazd or liability and might provide greater or lesser coverage than was previously in effect. Bonower aclmowledges 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 be,come addirional debt of Borrower secured by this S�urity 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/Freddle Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP � VMP6(NE) (1105) Wolters Kluwer Financial Services Page 8 of 17