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20�20675� 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 Assaciation Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge 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 T.ender, 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 are conclucFed; or (c) s�ures from the holder of the lien an agreement satisfactory to Lender subordinating the lieu to this Security Instrument. If �nder determines that any part of the Praperty is subject to a lien which c�n a�tana priority over tlus Security Instrument, Lender may give Borrower a aotice identifying the lien. V�1'� IO days a� the date on which that notice is given, Borrower sha�t satisfy the lien or take one or more of the ac�ions s�E forth above in this Section 4. �,ender rnaX require �ormwer to pay a ane-time charge for a reat estate tax verifc�tion and/or reporting service use� b�r L,ender in coffiecrion witU this Loan. 5. Property tnsarance. �rrower shall keep ttie improvements nov�r existing or hereafter erected an the Proger� i�ec� agai� toss by f�se, hazards included within the term "exteaded coverage," aIIC� aaey other hazards ineT�d.i,issg, but s�t T��cP to, earthquakes and fioods, for wF�ir„h E�c�es reg,uires �ance. �'his insutaace s� be �e� in tl�e amounts (including de�uctible Ievels) a� for the �siods tl�at Lendea requires. R�iat Lencter requires pursuant to the preceding sentences c�n change d,vrin.g ti�e term of the Loan. The insuraIICS cames providiug the insurance shall be chosen by Borrov�r subje,�t to Leader's right to disapprove Borrower's choice, which right shall not be exercised unre�asonabIy. Lender may require Borrower to pay, ia coffiection with this Loan, either: (a) a one-time charge fos tIo� zone c�etermiaarion, certifc�tiar� a�d tracl�ing services; or (b) a one-time charge for flood zoae determiasati�a and certi�c�tion serr�ices � subsequent charges each time remappings or similar changes c�ccur which reasonably might affect such determi,nation or certificarion. Borrower shall also be responsible for the payatent of any f�s imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. Tf Borrower fails to maintain any of the coverages described almve, Lender may obtain insurance coverage, at Lender's option and Bonower's expense. Lender is under no obligation to purchase any particulaz type or amount of coverage. Therefore, such coverage shall cover Lender, bu� might or might not prot�t Borrower, Borrower's equity in the Property, or the contents of the Property, against aay 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 Bonower could have obtained. Any amounts disbursed by Lender under this Secrion 5 shall become additional debt of Borrower secured by this Security Instrument. These aznounts shatl bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Bonower requesting payment. NEBRASKA-Single Famtly-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP � Wolters Kluwer Financial Services Form 3028 7 /01 VMP6INE) (1105) Page 6 of 17