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2Q12Q1903 required by RESPA, and Bonower 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 Bortower any Funds held by Lender. 4. Charges; Liens. Bonower shall pay a11 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 aze Escrow Items, Bonower shall pay them in the manner provided in Section 3. Borrower shall promptly dischazge any lien which has priority over tlus Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligarion s�ured 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 are pending, but only unril such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security 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 Borrower a norice idenrifying the lien. �Vithin 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. Lender may require Borrower to pay a one-time charge for a real �tate tax verification and/or reporting servic.e vsed by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now exisring or hereafter erected on the Property ins�.ued agai.nst loss by fire, hazards included within the tecr� "extended coverage," and any other haa.ards includiag, b�t not limited to, earthquakes and floods, for wluch Lender requires insurance. 'Tf►is iffiurtnce shall be maintained in the amounts (including deductible Ievels) azcd for the peria}s that Lender requires. What LeIIder requites pursuant to the preceding seatences can change during the term of the Loan. The imRUance carrier providiug the insurance shall be chosen by Borrower subject to Lender's right to disapgrove Borrower's chvice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in conn�tion with this Loan, either: (a) a one-time charge for IIood zone determination, certific�tion and tracldng services; or (b) a one-time charge for flood zone determination an� certification services and subsequent charges each time remappings or similaz chauges occur which reasonabIy might affe,�t such determination 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 resulting from an objecrion by Borrower. If Borrower fails to ma.intain any of the coverages described above, Lender may obtain insurance coverage, at I�nder's oprion and Bonower's expense. Lender is under no obligation to purchase any particulaz type or amount of coverage. Therefore, such coverage sha11 cover Lender, but might or might not protect 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. 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 S�rion 5 shall become additional debt of Bonower secured by this Securiry Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon norice from Lender to Borrower requesting payment. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP � Wolters Kluwer Finandal Services Form 3028 1/07 VMP6(NE) (1105) Page 8 af 17 i• 3