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20120670� 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 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 Escmw Items, Borrower shall pay them in the manner provided in Secrion 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obIigation s�ured by the lien in a manner acceptable to Lender, but only so long as Borrower is gerforming such �greement; (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 ttie lien while those proceedings are pending, but only until such proceedings are concludeci; or (c) secures from the holder af tise liea aa agreement satisfactory to L.euder subordinating the Iien to this Security Instrument. If I.eader determi,aes th-et asy part of the Property is subject to a lien which ean attain priority over this Security �n�- tr��*, �,ender may give Borrowes a nvtice identifying tFie Iien. �Vithin IO days vf the ctate on wluch t6�x noti.ce is givea, �oLrow�r shall satisfy the lien or take one or more of the actions set forth abvve ia this Sectioa 4. Lender may requite Borrawer to pay a one-time c}sarge for a reat e�tate tax verificarion and/or reporting service used b}� �der in cor�aection w+ith this I.Qan. 5. Prope►ty [nsura�ee. Borrower shall keep tfie improvements IIow e�g or hereafter erected on the Praperty insured against loss by fire, hazards included within the tern� "e�ctended coverage," an� auy other hazards includi.ng, but not limited to, earthqnakes and IIoods, for wluch Lender requires insuraace. This insuranc,e sball be maintaiaed in the ameimts (iuclvding d�uctible Ievels) and for the periods that Lender requires. Wbat L�nder requires pursuant w tUe preceding seHten�s can cfiange during the term of the Loan. The insurance carrier providing the insurance shali be chosen by Borrower subje,ct to Lender's right to disapprove Barrower's choice, wluch right shall not be exercised vnteasonably. Lender may rec}uire Bonower to pay, in c.offiection with this Loan, either: (a) a ane-time charge for flood zo� determinarion, certification a� tracking s�ervices; ar (G� a one-time charge for fiooct zone determination at�d certification services and subsequent charges each time remaPPings or simslar changes ocxur which reasonably might affect such determinarios or certification. Bvrrower shall also be re.cponsible for the payment of any fees imposed by the Federat Emergency Management Agency in coimection with the review of any flood zone determinarion res�ilting from an obj�rion by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particulaz type or amount of coverage. Therefore, such coverage shall cover Lender, but might 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. Borrower acl�owledges 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 Bonower 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 notice from Lender to Borrower requesting payment. NEBRASKA-Sirtgle Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP � Wolters Kluwar Financlal Services Form 3028 1/Ot VMP6(NE) (1105) Page 6 of 17