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20�206�4� required by RFSPA, 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 secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Bonower shall pay all taxes, assessments, charges, fines, and impositions amibutable to the Property which can attain priority over this Security Insmiment, 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 tl2em in the manner provided in Section 3. Borrower shall prompdy dischazge any lien which has priority over this Security Instrument unless Bonower: (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 7n 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 pendiug, but only unril such proceedings are conclucled; or (c) se,cures from the holder of the lien an agr�ment satisfactory to Lencter subordinating the lien to this Security Instrument. If Lender determines that aay part of the Froperty is subje,ct to a lien wIuch can attain priority over this Security Instrument, �.ender m�y give Borrc�wer a notice identifyiag the lien. VVithin IO cfiays of the date on which that natice is given, Borrower slialt s�tisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to gay a one-�ime charge for a real �t�te tax verification and/or reporting service used by Lender in comiecrion with this L.oan. 5. Pro�ty Insurartce. Borrower shall keep the improvements now exist'cng or hereafter erected on the Property ir►sured against Ioss by fire, hazards included witliin the tenrt "e�ste�de� c�verage," a8� any atker ha�ards iaciuding, but not limited to, earthqualces and IIoods, fos vdhich �.enc�er require.s insvranc�. 'Fhis insurance sl�aY1 be ma�ntatned in the amounts (including deciuctib�Ie levreis� anci for the periods that Lender requires. � Lsnder requires pursuant to the preceding sentences can change during the term of the Loan. The insurauce carrier providing the insurance shall be chosen by Borrower subj�t to Lender's riglit to disapprove Borrower's choice, which right shaIl not be exercised unrea.sonably. Lender may require Borrawer to pay, in coffie,crion with this Loan, either: (a} a one-time charge for IIood zone determinarion, certifcation and traclaug services; or (b) a atre-time charge for fiood zone determinatior� and certificarion services and subseqpent charges each time remappings or similar cha�ges ocxur wluch reasonably might affe�ct such determination or certification. Borrower shall also be responsible for the payment of any fees impos�i by the Federal Emergency Management Agency iu connection with the review of any fiood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the covera.ges described above, Lender may ohtain insurance coverage, at I.ender's option and Borrower's expense. I,ender 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 Bonower, 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 5ection 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 norice from Lender to Bonower requesting payment. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP p Wolters Kluwer Financial Services Form 3028 7 /01 VMP6INE) (1105) Page 6 af 17