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20�2071g� required by RESPA, and Bonower shall pay to Lender the aznount necessazy to make up the deficiency in accordance with RFSPA, 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. 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 Properiy, 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 Section 3. Bortower shall promptly discharge any lien which has priority over this Security 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 gerforming such agreetnent; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings wlrich in Lender's opinion operate to prevent the enforcement of the lien while those proceec�ings are pending, but only until such proceedings are concluded; or (c) se,cures from the holder of the lien an agreement satisf�tory to L.ender subordinating the Iien ta this Security Instrument. If Lender detern�nes that any part of the Property is subject to � Iieu which can attain priority over this 5e,curity Instrument, Lender may give &�rrower a notice idenrifying the lien. Within IO days of the date on which that notice is given, Borrower ssl:rrall satisfy the Iien or take orie or more of the acrioa� set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a rea� es�ate tax verification aad/or re�rting service usett by Len�eer in coimection with this Loan. 5. Property Insurance. Borrower shall keep the improvements nowr exis�g or hereafter erecteafi on� fhe Progerty insur�d ag�inst loss by fire, bazards included within the terr� "extendea� coverage," and aay other hazards iacludiug, bui not limited to, eazthquakes and floods, for wbich �er reguires irfsurance. Tfus insurance shati� be �intainec� in the anzounts (incluc�iag dectv.ct�ib�e tevels) a.� for tl�e penic�s that Lender requires. What I.e�des requires pursuam to the preceding sent� can change during the term of the Loan. The insurance e,arrier providing the insurance shall be chosen by Borrower subject to L.ender's right to disapprove Borrower's choice, which right shall not be exercised �mreasonably. Lencter may require Borrower to pay, i� connection with this Loan, either: (a) a one-ti�re clsa�ge for IIood zone determination, certific�tiat� aud tracldng services; or (b) a one-time eharge for II� zoIIe determination and certification services and subsequent charges each time remappings or similar changes ocxur which reasonably might aff�t such deternQination or certification. Bonower sha11 atso be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any tlood zone determination resulting from an objection by Borrower. 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 gurchase 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 acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of inc„ra„ce that Borrower 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 Borrower requesting payment. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP Q Wolters Kluwer Financial Services Form 3028 1 /01 VMP6WE) (1105) Page 8 of 17 u,. ;