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�Oi1�� required by RESPA, and Borrower shall pay to Lender the amount nec;essary to make up the deficiency in accordance with RE5PA, 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 taa�es, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Properly, if any, and Community Association I3ues, 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) agr�s in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so Iong as Borrower is performing such agreement; (b) contests the Iien in good faith by, or defends against enforcement of the lien in, legal proc.eedings 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 h4lder of the lien an agreement satisfactory to Lender subordinating the lien ta this Security Instrument. If Lender detennines that any part of the Prapercy is sub�ect to a lien vvhich can attain priority over this Security Instnunent, Lender may give Borrower a notice idenufying the lien. Within 10 days of the date on which that natice is given, Bo�rower shati satisfy the tien ar take c�e or �re of the actions set forth above in this Secrion 4. Lencter may require Borrovver ta pay a one-time charge for a real estate tax verification a�ct/or reporting service used by Lender in connectian with this Loan. 5. Property Insurance. Borrower shall keep the improvements �w existing ar hereafter �cted on the Properiy insurect against loss by fire, hazards included within the term "eatende� covera�e," ar�t �y other hazards including, but not limited' to, earthquakes and floods, for which Lender requires insura�tce. This insurance shall be maintained in the ar�unts (ir�luding deductihle levels} arxt for the periods that Lesx3er requires. What Lender requires pursua�t to tt►e preceding sentences can change during the term of tt� Laan. The insurance carrier providing the insurance shail be chosen by Borrower subject to Lender's riglrt 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-ti� charge for float zor�e determination, certification and tracking services; or (b) a one-wne charge for fiood zone c�ete�ina#ion and certification services and subsequent charges each time remappings or simiiar changes accur which reasonably might affect such determination or certification. Bonawer shall atso be responsible for the pay�t of any fces imposed by the Federal Emergency Management Agency in conc�ction with the review af 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 Lender's option and Borrower's expense. Lender is uncter no obligation to purchase any particutar type or amount of coverage. Therefore, such coverage shall cover Lender, hut might or might not prot�t Borrower, 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 acl�owiedges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Barrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured hy 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-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP � Wolters Kluwer Financial Services Form 3028 1 /01 VMP6(P1E) (1105) Page 6 of 7 7 : � ,