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' ' 201108849 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. Up��n 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. Bonower shall pay all taxes, assessments, charges, fines, and impositions attributable to 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, Bonower shall pay them in the manner provided in Section 3. Borrower sha11 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 Bonower 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; or(c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Securiry Instrument. If Lender deternunes that any part of the Property is subject to a lien which can attain priority over this Security Instrument, L.ender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower 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 taac verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower sha11 keep the improvements now elcisting or hereafter erected on the Pro�Oerty insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not 1'united to, earthquakes and floods, for which Lender requires insurance. This ins�nrance 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 sha11 be chosen by Bonower subject to Lender's right to disapprove Bonower's choice, which right shall not be exercised unreasonably. Lender may require BorPOwer to pay, in connection with this Loan, either: (a)a one-time charge for flood zone deternunation, certification and tracking services; or(b)a one-time charge for flood zone deternunation and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Bonower. If Bonower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at I.ender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage sha11 cover Lender, but might or might not protect Bonower, Borrower's equity in the Properiy, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Bonower 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 Securiry 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 Bortower requesting payment. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP� VMP6(NE)(11051.00 Woiters Kluwer Financial Services Page 8 of 17