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2012052i7 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 se.cured by this Security Insmiment, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Bonower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Securiry Instnunent, 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 S�tion 3. Borrower shall promptly discharge any lien which has priority over this Se,curity Instrument unless Borrower: (a) agrees in writing to the payment of the obligation s�ured by the lien in a manner acceptable to Lender, but only so long as Bonower is performing such agre,ement; (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 aze concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines tkat any gart of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give �rrrower a notice identifying the Iien. Within 10 days of the date on which tt�at notice is given, Borrower shall satisfy the Iien or take one or more of the actions set forth above in this Section 4. Lender may require Borrorver to pay a ane-ti�re charge for a real estate tax verificatioa and/or re�rting service used by Lencter in coffiection with tt�is Loan. 5. Property Irtsetrance. Borrower shatI keep the improvements now ea�istiIIg ar hereafter erected on the Property insuzed against loss by fire, haz�tds includec� wittiin the term "exteicded coverage," aud any otfier hazards including, but not limited to, earthquakes and floods, for wiuch T.�der requires im�u�ce. This inc��rarce shalT be maintained in the amounts (including de�iucrible levels) �d for the periods that Lender requires. What Lender requires pursuast to the grec,eding sentences cau change during the term of the Loaie. The insurance carrier providing the insur�nce shail be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised. unreasanably. Lender may require Borrower to pay, in connection with tliis Loan, either: (a) a one-time charge for flood zone determinatioa, certification and tracking services; or (b) a one-time charge for flood a.a� determination ancfi certi�cation services and suhsequent charges each time remagpings or similaz ch�ges occur which reasonabIy might affect such determination or certification. Borrower sfiall also be responsi'ble for the payment of any fees imposed by the Federal Emergency Management Agency in coimection with the review of any fiooc� zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described ahove, Lender may obtain insurance coverage, at Lender's oprion and Bonower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such covera.ge sha11 cover Lender, but might or might not protect Borrower, 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. 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 Secrion 5 shall become additional debt of Borrower 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 Bonower requesting payment. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP � Wolters Kluwer Financial Services Form 3028 1/01 VMP6(NE) (1105) Page 6 of 17 � y , k �' , '� . . . � , ...