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20120117� 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 shail promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, chazges, fines, and impositions attributable to the Properiy which can attain priority over this S�urity 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 Fscrow Items, Borrower shall pay them in the manner provided in Secrion 3. Bonower shall promptly discharge any lien which has priority over this Security Instrument unless Bonower: (a) agre,es in writing to the payment of the obligation se.cured 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 proceedings 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) secures from the holder of the lien an agreement saiisfac�ory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Pra��rty is subje.ct to a lien which can attain priority over this Security Instrument, Lender may give Bo�rov� a IIotic� ictentifying the lien. Within 10 days of the date on which that notice is given, Borrower s?s�B s�tisfy tlie Iien or take one or more of the actions set forth above in this Se,crion 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification anuid/or reporting service used by �.ender in co�action with this Loan. 5. Property {nsurance. Borrower shall keep the improvements now ex�.�sting cn fiereafter erect� on the Properly ias� ag�eiast loss by fire, hazards included within the tesm "exteaded coverage," aad any other hazards ��ding, FauE not Ii�ed to, earthquakes and floods, for which �,en�er requ.ires ;n.c,�*►ee. Ti�is insuranc� s� b�: �%ntaiII�d i� �fie amounts (including deductible levets) and for the periods that �der requires. �that �der rec�e�s pursuant to the preceding sentences can change during the term of the Loan. The i� c�ier grovidic�g the insurance shall be chosen by Borrower subject to Lender's right to disappm�re IIarrower's cfioi¢:e, which right shall not be exercised unreasonably. Lender may require Borrov� to gay, ia connectima with this Loan, either: (a) a one-time charge for flood zone determinatioa, certifrcatic� a�d t��ng se�ices; or (b) a one-time charge for fi� zone determination ana certificaEion services � s��at chatges each time remappings or similaz changes occur wluch reasonably might affect such determiaation or certification. Bonower shall also be respoffiible for the gayment of any f�s imposed by tfie Federal Emergency Management Agency in conn�tian �+ith ti�e review of any floai zone determination resulting from an obj�tion by Bonower. If Borrower fails to maintain any of the coverages described above, I.ercder may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligati� bQ purcbase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but migb�t or might not prote,ct Borrower, Borrower'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. Barrower aclrnowledges 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 additional debt of Bonower 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 Famlly-Fannie Mae/Freddle Mac UNIFORM INSTRUMENT Form 3028 1/07 VMP � VMP6(NEI 11105� Wolters Kluwer Financial Services Page 6 of 17