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201109471 required by It�SPA, and Borrower shall pay to Lender the ainount necessary to inalce up the deiiciency in accoi•dance with R�SPA, but in no inore than 12 monthly payil7ents. Upon payment in full of all suins secured by this Security Instruinent, Lender shall promptly refiind to Borrower any Funds�e1d by Lender. 4. Charges; Liens. Borrower sha1� pay aI1 taxes, assessments, eharges, fines, and impositions atitributable to �he Property which can attain priority over tlzis Security Instrument, lsasehold�tiyments or ground rents on the Property, il any, ancl Community Association Dues, Fees, and Assessments, iF ai1y, To the extent that thase items are Escrow Itesns, Borrower sha11 p�y them in the rna�mer provided in Section 3. Borrower shall p�•oinptly discharge any lien which has priority over this Security Instrument unless Borrower: (a)'agrees iiz writing to the payment of the abligation secured by the lien in a mallner accept�ble to Lender, but only so long as Borrower is perforining such agreemeiit; (U) contests the lien in good faith by, or defends against eiiforcement of the lien in, legal proeeedings which in Lender's opinio�i operate to prevent the enforcement of the lien wlule those proceedings a�•e pending, but only untiil suoh proceedings are concluded; or(c) secures froin the llolder oi'the lieii an agreement satisflctory to Lender subordinating the lien to this Security Instruinent. If Len�ler determines that any�art of the T'roperty is subject to a lien which cau attain pi•iority over this Security Instrumeiit, Lencler may give Borrower a notice identifying the lien. Withi7i 10 days of the date on wl�ich tl�at notice is given, Borrower shall satisfy the lieli or talce one or inore of the actions set forth above iil this Section 4. Lender may require Borr•owei•to pay a one-time charge for a real estate tax verification and/or reporting service used Uy Lender in coruzection with this Lo�tii. 5. Property Insurance. Borrower shall lceep the inlprovements now existing or hereafter erected on the Pro�erty insured�gainst loss by fii�e, �azards included within the term"extended coverage," and any other hazar•ds includi�g, Uut not limited to, earthqu�ilces and�loocls, for which Lender r�quiies insurance. This insuranee shall 1�e mau�tained in the ainounts(including dedLictible levels) and for the periods that�,ender requires. What Lender requires�ui°suant�o tha preceding sentences can ch�nge during tlie terin of the Loan. The insurai7ce carrier providiiig the insurailce sha11 be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, wl7ich right sh111 iiot be exercised uiue�sonably. Lender n�ay reqtiiire Borrower to pay, in connectiotz with tihis Loan, either: (�) a one-time charge for flood zone deternunation, cer�ification a�1d tracicing services; or(b) a one-time cli�1•ge for flood zone determination ai�cl c�rti�cation services and suUsequent charges each tirne remappings or si�nilar chazlges occur which reason�bly�night fi:PPect sLich determination or certification. Borrower s1ia11 also I�e responsiUle for the�ayment of any fees iinposed Uy the I'ederal Einergency Mlnagement Agency in coimection with the review of any flood zone deterinination t•esulting froin aii objection by Borrower. If Borxo�ver fails to maintaiil a�y of the coverages described above, Lender may obtlin insurance coverage, at Leilder's option�nd Borrower's expense. Lender is under no oblig�tion to purchase aily partictitl�r type or �inount of coverage, Therefore, such covei•age shall cover Lender, but inigllt or might iiot protect Borrower, Borrower's eqYiity in the Property, or the contents of the Pioperty, against any rislc, hazaa•d oi•liaUility and nught provide greater or lesser coverage thai�was pi^ev'rously in effect. Borrower acicnowledges that the cost of the insurance coverage so oUtained might signifcai�tly exceed the cost of insurance that Boi•rower coulcl liave obtained, Any arnounts disUursed by Lender under this Sectioii 5 shall Uecome aclditionll deUt of Borrower secured Uy this Security Instruinent. These alnountis sllall bear interest at the Note rate from the date of disburseinent aiid sh�ll be payable, with such interest, u�on notice fi•oin Lender to Borrower i•equesting payment. 231236 NEBRASKA-Single Fam ilyFannie M ae/Freddie M ac UNIFORM INSTRUM ENT Form 3028 1/01 VMP O VMP6(NE)(1106) Wolters Kluw er Financial Servlces Page 6 of 17