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201204818 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 Insmiment, Lender shall promptly refund to Bonower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions amibutable to the Properly which can attain priority over this Security Insm�ment, leasehold payments or ground rents on the Progerty, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Fscrow Items, Bonower shall pay them in the manner provided in Secrion 3. Borrower shall promptly discharge any lien wluch has priority over this Security Instrument unless Borrower: (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 agaanst 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 aze concluded; or (c) s�ures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to tl�is �curity Instr�ment. Tf Lender determines that any part of tfle Property is subject to a Iien which can attain priority over this Security Instrument, Lender may give Borrower a natice identifying the lien. Within 10 days of the date on which that �rice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one time chazge for a real estate tax ve�if cation and/Qr reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erecte� on the Property insured against loss by fire, flaza�ds i�Iuc�ed within the term "exte�d coverage," aad any otfier hazards including, but not limited to, earthquakes and IIoods, for whic� Len�er requires ins�uance. Tf�is insurance shatl be maintained in the amoimts (includittg deducrible levels) aIIC� for the �riods that Lender requires. What Lender requires pursuant to the preceding sentences can chauge during the term of the I.oaa. The insurance carrier providing the insurance shall be chosen by Borrower subjecx 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 chazge for flood zone deternaination, certificarion and tracking services; or (b) a one ti.me cfiarge for fiood zoae cfi�termination and certifcation services and subsequent charges each time remappings or similaz changes occur which reasonably migh� affect such determinarion or certification. Borrower shall atso be responsible for the payment of any f� imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resvlting from an objecrion by Borrower. If Bonower faiIs 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 covera.ge shall cover Lender, but might or might not prot�t Borrower, Bonower'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. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become addirional 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 norice from Lender to Borrower requesting payment. NEBRASKA-Single Family-Fannfe Mae/Freddie Mac UNIFOHM INSTRUMENT VMP � Wolters Kluwer Flnancial Services Form 3028 1 /01 VMP6INE) (1105) Page 6 of 17 , + �"' ;� F