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�Oi10�48G reqnired by RESPA, and Bormwer 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 shail pay all taxes, assessments, charges, fines, and impositions attributable to the Pmperty which can attain priority over this Security Instrument, leasehold payments or ground rents on the Properly, if any, and Communiry 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. Borrov�er shall promptly discharge any lien which has priority over this Security Instrument unless Bortower: (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 are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory ta 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 5ecurity Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the da.te on which that notice is given, Bonower shall satisfy the lien or take one or more of the actions set forth above in this Section 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 connection 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 insurance shall 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 insurance carrier providing the insurance shall be chosen by Bonower subject to Lender's right to disapprove Borrower's choice, which right sha11 not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certif'lcation and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappiags or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees unposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lendez'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 equity in the Property, or ttte contents of the Properly, against any risk, hazard or lia.bility and might provide greater or lesser coverage than was previously in effect. Borrower acl�owledges that the cost of the insurance coverage so obta.ined might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section S 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-Sirople FamilyFannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP � Wolters Kluwer Financial Services Form 3028 1 /01 VMP6(NEI (11051.00 Page 6 of 17