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20�20��2� 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 fu11 of all sums secuted by this Security Instrument, Lender shall promptly refund to Bonower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, chazges, 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. Bonower shall promptly dischatge any lien which has priority over this Security Instrument unless Bonower: (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 procee�ings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings aze pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisf�ory to Lender subordinating the lien to tl�is Security Instrument. If Lender deterniines that any part a�t�e Peogerty is subject to a lien which can attain priority over this Security Instrument, Lender may give Ba��a � IIo�ice identifying the lien. Within 10 days of the date on �vhich that notice is given, Borrower s� �ss£y E�ae �ien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower �o pay a one-time charge for a real � vax vea�c�ion �d/ar reporting ser`ric� �sed by Le�der in connection with this Loan. 5. Propeety 6r�surance. Borro� sball ke�p the improvements nov�+ e�g os 3�ie�cer erected on ttte Prapes�y � agai�st I� �ry fre, hazards included withiII the tea� " e,�verage," a�cd a�y Q�r haaazc�s �i�g, bta8 ttot �i�t� to, earthqvakes and floods, for whi�� Il.�der �res i.m�ra�e. '�s ins��sce s�fl t� im � amou�s (including deductible Teorels) �cd for the periods t�aE Lea�€es req,uar�. WErat � r�s g�as�ant to the preceding sentences can change �uring the term of the �.oaa. The �� a�ie8 piovic�g tt�e insurance shall be chosen by Borrower subje,ct to Lender's right to disapg�cave Borro�res°s c3a�ire, wfiich right shall not be exercised unreasonably. Lender may require Borr��r � gag, s� e.�n��i�a v�t� ifiis Loan, either: (a) a one-time cTiazge for fl� zone determivation, cer¢'c�c��mm � l�&ing s�; or (b) a one-time chazge for fiood z�e cietermination and certificarion �rvices � s� c�rasges eacts time remappings or similar chaicge.s �r which reasonabiy n�ght affect s� �on or c�r�ification. Borrower shall also he x��e for the payment of any fess impose� by the Fec�eral Emergency Management Agency in conaectiio�. v�rith t�e review of any fiood zone determiaarion resulting from an obj�tion by Bonower. If Borrower fails to maintain any of the coverages described above, I.ea�der m�y obtain insurance coverage, at Lender's oprion and Bonower's expense. Lender is under no obligatio� to gurchase any particulaz type or amount of coverage. Therefore, such coverage shall cover Lender, but might Qr rnight not protect Bonower, Borrower's equity in the Property, or the contents of the Property, agai�st any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower 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 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 Form 3028 1/01 VMP � VMP6INE) 11105) Wolters Kluwer Pinancial Services Page 8 of 17