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�O�iQ�43G 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 Instnunent, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower sha11 pay a11 taxes, assessments, charges, fines, and impositions attributable to the Property which can attain prioriry 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 aze Escrow Items, Borrower shall pay them in the manner provided in Section 3. Barrower 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 perfornung 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 are pending, but only until such proceedings are concluded; ar (c) s�ures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. lf Lender determines that any part of tl�e Property is subject to a lien whictt can attain priority aver this Security Instn�meeirt, Lender may give Borrower a notice identifying the Iien. Within 1Q days of the date on which that natice is given, Borro�vver shall satisfy the lien or take one or more of the actions set forth above in this Sectian 4. Lender rnay rec�uire Borrower to pay a o�-time charge for a real estate �i verification and/or reportiug service usect by Lender in connection with this Loan. 5. Property tnsurance. Borrower sha11 keep the improvernents now ea€isting ar hereafter erected on the Property insur� against Ioss by fire, hazazds included within the tetm "ext�n�Ct coverage," and any ather hazards inciuding, but not limited to, earthquakes and floads, for whieh Ler�er requires insorance. 'This insuranee shall be maintained in the amounis (including deducribie levets) a� far the periods that I.ender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Lc�an. The insurance carrier providing the insurance s1�alI be chosen by Borrower suhject 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-tirr� chatge for flood zone deternunation, certification and tracking services; or (b) a one-time charge for flcx�d za� c�etermination and certifcation servic.� and subsequent charges each time remappings or similar ckanges occur which reasonably might affect such determination or certification. Borrawer shall also be responsible for the payment of any f�s imposed by the Federal Emergency Management Agency in connection with the review of any flaod zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described abave, L.ender 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 coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equiry 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 aclrnowledges that Che cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have abtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower se.cured 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 natice from Lender to Borrower requesting payment. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP � VMP6(ME) {1105) Wolters Kluwer Financial Services Page 6 of 17 �, � , 1? t � ,�+�.