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20120669� required by RESPA, and Borrower 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 stuns secured by this Security Instniment, Lender shall promptly refund to Bonower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Communiry Associarion Dues, Fees, and Assessments, if any. To the extent that these items aze Fscrow 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 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 perfornring such agreement; (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 ate �nding, but onty until such proc�eedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the Iieta to this SecuriEy instrument. If Lender determines that any part of tFie Property is subje�ct to a lien which can attain priority aver this Security in.�r,,,t.,enr, I,ender may give �iorrower a notice identifying the lien. �VVi� 10 days of the date on which that notice is given, Borrower shalT satisfy the lien or take one or more of the acrions set forth above in this Section 4. Lender may require Borrawer to pay a one-time chazge for a real estate tax verification and/or reporting serv�ce tLSed by � in connection with this Loan. 5. E�a�pert�I Onsurance. Borrower shall keep the improvements now existiag os tcereafter erectec� on the Pra� ins�red against Ioss by fire, haaazds included within the te�e "e�eIIded coverage," and �ny other l�azards u�Iuding, hut not limited to, earthquakes and floods, for wlvch �.en�er requires insurance. 'Ff�is iIISttiagce sFrat� be maizctafnea ig the amounts (including deductible ieve�s) and for the periods ttcax Lender requires. What Eeader requires pvrsuant to the preceding sentences ea� change during the term of the I.oan. The insurance c�rier providing the insurance shall he chosen by Borrower subject to I.ender's right to disa,gprove Borrower's choice, which right sha11 not be exercised unreasonably. Lender may require �orrower to pay, itT c��ction with this Loan, either: (a) a one-time charge for IIood aone determiva�ion, certifc�tion and tracking ser�ices; or (b) a one-time charge for flood zoae determination and G�on services an� subsequent charges each time remappings or similar chaages occur which reasonabiy might affect such determination 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 fload zone determinarion resulting from an objecrion by Bonower. If Bonower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's oprion and Borrower's expense. Lender is under no obligation to purchase any particulaz type or amount of coverage. Therefore, such coverage shall cover Lender, but might ar might not pmtect 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. �orrower acknowledges that the cost of the insurance coverage so obtained might significantly exce,ed the cost of insurance that Bonower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional 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 notice from Lender to Borrower requesting payment. NEBRASKA-Single Family-Fannie Mae/Fradd(e Mac UNIFORM INSTRUMENT VMP Q Wolters Kluwer Financlal Services Form 3028 7/01 VMP6WE) (1105) Page 6 of 17 u