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�0�20901� required by RESPA, and Bortower shall pay to Lender the amount necessazy to make up the deficiency in ac.cordance 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. Borrower shall pay all taxes, assessments, charges, fines, and imposirions attributable to the Property which can attain priority over this S�urity Instrument, 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 aze Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly dischazge 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 performing 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 aze pending, but only until such proceedings are 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 that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Bonower a notice identifying the lien. Within 10 days of the date on which that notice is given, Bonower shall satisfy the lien or take one or more of the acrions set forth above in tlus S�tion 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connecrion with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This ;n�,�rance sha11 be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The �nc��rance carrier providing the insurance shall be chosen by Bonower subject to Lender's right to disapprove Bonower's choice, which right shall not be exercised unreasonably. Lender may require Bonower to pay, in conn�tion with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might aff�t such determinarion or certification. Bonower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connecrion with the review of any flood zone determinarion resulting from an objecrion by Borrower. If Bonower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligarion to purchase any particulaz 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, hazazd or liability and might provide greater or lesser coverage than was previously in effect. Bonower 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 Section 5 shall bec;ome additional debt of Bonower secured by this Security Instrument. These aznounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon norice from Lender to Borrower requesting payment. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP � VMP6(NEI (1105! Wolters Kluwer Financial Services Page 8 of 17