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20��06893 required by RESPA, 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 a11 sums secured by this Security Instrument, Lender sha11 promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Bonower shall pay a11 taxes, assessments, charges, fines, and impositions attributable to the Property which can attain prioriry over this Secusity Instrument, leasehold payments or ground rents on the Property, if any, and Communiry 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 5ection 3. Borrower shall promptly discharge any lien which has prioriry over tlus S�uriry Instrument unless Bonower: (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 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 a.re 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 tF� Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Bortow�r a nntice identifying the lien. Within 10 days of the clate on which that notice is given, Borrower s1�aIT sa�isfy the lien or take one or more of the actions set forth above in this Secrion 4. Lender may require �orrower to pay a one-tune chazge for a real estate tax verification and/or reporting service usec� by �der iu com�rion with this Loan. 5. Property 6nsurare�. �orrower shall keep the improvemeirts now elccs�ing os hereafter erected on the Pmperty i�ec� �g�.st Ioss by fire, hazards included within the term "extended coverage," anct any other haza,rds i�I�tg, b� �t Iin�ited to, earthquakes and floods, for w+hicls Lender requires insurance. 'Fhis ins�e s�t F� �ia�i��ect in the amounts (including deducrible Ie�reds) and for the periods that Lender requires. �dliat I�c�er requires pursuant to the preceding sentences can change during the term of the Loan. The insur�ce caraier grorriding the insurance shall be chosen by BQrrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in eonnection with this Loan, either: (a) a one-time charge for fIood zone determinarian, certification and trackiag ser�ices; or (b) a one-time charge for ftood aone determinarion and certification services ancF subsee�uent charges each time remappings or similar changes occvr which reasonably might affect such determiIIation or certification. Bonower sha.11 also be responsible for the payment of any fezs imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resuiting from an objection 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 obligation to purchase any particular type or amount of covera.ge. Therefore, such coverage shall cover Lender, but might or might not protect Bonower, 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 insurance 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 sha11 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 Form 3028 1/01 VMP � VMP6(NE) (1105) Wolters Kluwer Financial Services Page 6 of 17