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201�U8944 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 Bonower any Funds held by Lender. 4. Charges; Liens. Bonower sha11 pay all taxes, assessments, charges, fines, and impositions amibutable to the Properly which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Associarion Dues, Fe,es, and Assessments, if any. To the extent that these items are Fscrow Items, Bonower shall pay them in the manner provided in Section 3. Borrower 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 such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal praceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proce.edings are concluded; or (c) secures from the holder of the lien an agreement sarisfactory to Lender subordinating the lien to this Se�urity Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Bonower a norice identifying the lien. Within 10 days of the date on which that norice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lencter may require Borrower to pay a one-time charge for a real estate tax verificarion andlor reporting service used by Lender in conn�tion 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 hazatds including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurar�ce shall be maintained in the amounts (including deducrible levels) and for the periods that L.ender rec}uires. 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 Borrower subject to Lender's right to disapprove Bonower'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 determination, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similaz changes occur which reasonably might affect such determinarion or certification. Bonower 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 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 particulaz type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, 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. Bonower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Bonower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become addirional 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 Bonower requesting payment. NEBRASKA-Single Family-Fannte Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP Q VMPB(NE1 (1105) Woiters Kluwer F(nancial Services Page 6 of 17 M µ' '. y J p F '' � 94' �l�i 9 V Y ./ i �