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201108��4 required by RESPA, and Borrower 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. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable Co the Property which can attain priority over this Security 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 are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Bonower 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 performing sueh agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proccedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proc.eedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to I,ender subordinating the Iien to this Security Instrument. If Lender determines that any part of the Property is sub1ect to a lien which can attain prioriry over this Security Instrument, I.ender may give Borrower a notice idenrifying the lien. Within 10 days of the date on which that notice is given, Borrower shatl satisfy the Iien or take one or more of ihe actions set forth above in this 5ection 4. Lender may require Bonower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in conn�tion with this Loan. 5. Property tnsuranee. Borrower shall k�p the improvements now existing or hereafter erected on the Praperty insured against Ioss by fire, hazarcls included within the teim "extencted caverage," and anp other hazards including, but not limited to, earthquakes and floods, for which T.ender requires insurance. This insuraa�ce shall be maintain� in the amounts (including deductible levels} and for the periads that I.�nder requires. What Lender requires pursuant to the greceding sentences can change during the term of the Loan. The insurance cairier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determinarion, certification and tracking services; or (b) a one-time chazge far fiood zone determination and certiftcai.ion services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certi�ication. Borrower sha21 alsa be responsible for the gayment of any fees imposed by the Federal Emergency Management Agency in conrtection with the review of any flood zone deternunation resulting from an objection by Borrower. If Borrower 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 partict�lar type or amount of coverage. T'herefore, such coverage shall cover Lender, but might or might not protect Barrower, 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 Section 5 shall become additional debt of Borrower secured by this S�urity 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 � Wohers Kluwer Financial Services Form 3028 1 /01 VMP6lNE) (1105) Page 6 of 17 , � * �+i� � � Fi ,�' � 1 a