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20120663� 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 fu11 of all sums secured by this Security Instnunent, 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 Properiy which can attain priority over this Security Instrument, le�asehold 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, Bonower shall pay them in the manner provided in Section 3. Borrower shall prompdy discharge any lien which has priority over this Security Instrument unless Borrower: (a) agr�s 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 ctefends 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 co�Iuded; or (c) secures from the holder of the lien an agreement satisfactory to L�nder subordinating the �i� to t�iis Securitty I�tretment. If Lender determines tlsat aay parE of tt�e Properly is subject to a Iien which c� attain psiority oweF t�is Security Tnstrument, Lender �y give Borrower a rn3tice identiflring the Iien. �iTithin 10 days of the date on which that notice is given, Hormwer sball satisfy the Iien or take ane or more of tfie actions set forth above in this Section 4. Lencter may reqeuse Borrower to pay a one time charge for a rea.i estate tax verifi�tiaa and/or reporting s�vicc� us� �y b� in comsectian with �his Loan. 5. 6'roperty insur�n�e. Borrc�wer s� keep the improvemeats now exis�g a� �fter erected ea the Properly ias� ag� Ioss By fire, hazards included arit�ti.n t�te tera� "e�Yende,c� c��ge," �n� any other �a,zar�s iIIClu�iag, brztc a�E �nited to, eattfiquakes and fl�ds, for w� fl.ern�er requires iaseirance. 'Fhis i�ance s3�I2 be �ec� in �e amotimts (incluctiag dea�t��le tevels) aas� for tise geriods that L,enc�er reqziires. FV�at I,ender requires pursuant to the preceding sentences c�n change during the term of the Loan. T�ie insurance c�rrieg groviding tf�e insurance sha1l be chosen by Bormwe� subjeet to T.eader's right to disapprove Borrowes's choice, which right shall not be exercised unreasonably. Lender may require Borrc>rwer to pay, i�r conaection with this Loan, either. (�} a one-time charge fo� ffc� zone deter�tion, r�ertificatio� a� tracki�sg services; or (b) a one-time charge for floo� zc�xre deter�ation ancl certif��tion s�rvices and subsequent charges �ach time remappings or simitar changes ocxur v�hhich reasoIIably might affect sucfi determination or certification. Borrower shatl also be responsible foa the payment of any fess impose� by the Federal Emergency Management Agency in coffiection vvith the review of any flood zone ctetermination resulting from an objection by Bonower. If Bonower fails to maintain any of the coverages descrit�ed above, I�nc�er may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obiigation to purchase any particular type or amount of coverage. Therefore, such coverage shall 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 acl�owledges that the cost of the inc►,rance coverage so obtained might significantly exceed the cost of �nc,�rar,ce that Bonower could have obtained. Any amounts disbursed by Lender under this Section 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 UN�FORM INSTRUMENT VMP � Wolters Kluwer Financial Services Form 3028 7l01 VMP6(NE) (1105) Page 6 of 17