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2012U�94� 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 Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, 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 Fscrow Items, Borrower shall pay them in the manner provided in Se,crion 3. Bortower shall promptly discharge any lien which has priority over this Security Instrument unless Bortower: (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 Bonower 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 tt►e lien while those proceedings are pending, but only until such proceedings are c�ncluded; or (c) se,cures from the holder of the lien an agreement sarisfactory to L.ender subordinating the lien to ttus Security Instrument. If Lender determines that any part of the Froperty is subject to a Iien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 1Q days of the date on which that norice is given, Horrower shall saiisfy the Iien or take one or more of the actions set forth above in this Section 4. Lender may rec}uire Borrower to pay a one-time chazge for a real estate ta.� verification anct/or reporting service us�i by I.ender in connection with this Loan. 5. Property tnsurance. Borrower shall keep the improvements now existing or hereafter erected on the Properiy insuxed against loss by fire, hazards included within the ter� "extended coverage," and any other haaards including, but aot limited to, earthquak� and fioods, for which Lender rec}uires insurance. This �n�,�nce shall be *!�?;nr�ined in the amounts (including deductible levels) and for the perials that Lender requires. �Vhat I.ender requires pursuant to the preceding �ntences can change during the term of the Loan. The insurance cazrier providing the insurance shall he chosen by Borrower subjeet to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connecrion with this Loan, either: (a) a one-time charge for tlood wne determination, certificatiog and tracking services; or (b) a one-time charge for IIood zone determiaation and certification services and subsequent charges each time remappings or similaz changes occur which reasonably might aff�:t such determination or certification. Bonower shall atso be responsible for the payment of any fees imposefl by the Federal Emergency Management Agency in connecrion with the review of any flood zone determination resulting from an objection by Bonower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's oprion and Bonower's expense. Lender is under no obligarion to purchase any particular type or amount of coverage. Therefore, such coverage shall 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. Bonower 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 Secrion 5 shall become additional debt of Borrower s�ured 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 norice from Lender to Borrower requesting payment. NEBRASKa-Single Famfly-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP � VMP6(NE) (1105) Walters Kluwer Ftnanctal Services Page 6 of 17