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�O��Q99�5 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 Instniment, Lender shall promptly refund to Bonower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay a11 taxes, assessments, charges, fines, and impositions attributable to the Property wluch can attain priority over this Security Instrument, leasehold payments or ground rents on the Properiy, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items aze Escrow Items, Bonower sha11 pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Se,curity 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 proc,eedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings aze pending, but only until such proceedings aze concluded; or (c) s�ures from the holder of the lien an agreement satisfactory to Lender subordinating the I�en to this Se,curity Instnunent. If Lender determines that any part of th� Properiy is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice idenrifying the lien. Within 10 days of the date on which that norice is given, Borrower sh�I satisfy the lien or take one or more of the actions set forth above in tlus Section 4. I.eader may require Borrower to pay a one-time charge for a rea[ estate taa verification and/or reporting service vsed by Leu�r in conne,ction with this I,oan. 5. Properly Insurance. Borrower shall keep the improvements now existiag or hereafter ere.cted on the Property insured agaiast Ioss by fire, hazards included within the term "extended caverage," and azey other hazards iIICludiag, bux not Ziffiited to, earthquakes and floods, for which �.ender requires insurance. This insuranc� sl�tl b� maaintai�ed in the amounts (including deductible Ievels) and for the periods that Iznc�er requires. What L�nder requires pursuant to the preceding sentences can change during the term of the Loan. The it�sur�ce carrier providing the insurance shall be chosen by Bonower subject to Lender's right 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-time charge for fiood zone determination, certification and traclong services; or (b) a one-time charge for flood zone determination and certificarion services aud subsequent charges each time remappings or similaz changes occur wluch reasonably might affect such determinarion 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 res�ilting from an objection by Bonower. If Borrower fails to maintain any of the coverages described above, Leuder may obtain insurance coverage, at Lender's option and Bonower's expense. Lender is under no obligation to purchase any particulaz type or amount of coverage. Therefore, such coverage shall cover Lender, but migttt or might not protect Borrower, Bonower's equity in the Property, or the contents of the Progerty, ag� any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. �orrower aclmowledges 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 Se,crion 5 shall become additional debt of Bonower secured by this Security Instrument. These amounts sha11 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 � VMP6(NE) (1105) Wolters Kluwer Financial Services Page 6 of 17