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20120700� 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. Bonower shall pay all taxes, assessments, charges, fines, and imposirions amibutable to the Progerty 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 are Fscrow Items, Borrower shall pay them in the manner provide�i in Section 3. Bonower shall promptly discharge any lien which has priority over this Security Instrument unless Br�rrower: (a) agr�s in writing to the payment of the obligation secured by the lien in a manner acceptable to L�nder, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends aga.inst enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pend�ng, but only until such proceedings are conclu�; os (c) secures from the holder of the lien an agreement satisfactory to �.ender subordinating the lien to this Securit}+ Instrument. If Lender determines tl�at aay gart of the �rty is subject to a lien which c�a aEtain p�iority over ttus Security Instrument, Lender may give Borrower a aotice identifying the lien. WiLltia 10 days of the date on which thaE notice is given, Borrawer sha� satisfy ti�e Iien ar t�Ice one or more of the aetio� set forth above in this Section 4. L�der may reguire Borrower to pay a one-time charge for a real estate tax v�ifrr�tion and/or reporting service vsed: by � ia conne,crion v�+ith this Loan. 5. E�o�perty tnsuran�e. Borrower sha11 keep the improvements novv existing os hereafteE ere,cted on the Property ia� ag�r►st loss by fire, hazazcis inctuded w+ith�n the te�m "extexnd`ed coverage," azcd azcy other haaards ine��ing, t�ut not Iimited to, earthquakes and flo�is, fos wFsicfi �,e�+der rec�aes ins�rance. 'Tf�s incura�e s�taTt � maiataiaed in the amo�nts (including deducq.�Ie Ievels) and fes the �iods that L,ender rer}uires. �hat Lender requires pursuant to the preceding sentenc�es can change during the term of the Loan. The insaraace carrier providing the insurance shall be chosen by Borrower subject to LeY►der's right to ciisapprove Borrower's choice, which right shall not be exercised unreasonably. L�cder may require B�rrower ta pay, in connection with this Loan, either: (a) a one-time charge for floo� zone detPrm_ �n_��on, certification and tracldng services; or (b) a one-time chazge fQr fioc� zoae determination anc� certification seaviees am� subseguent charges each time remappings or simitar ehaages occur whicfi reasonably might affect such c�eter�rination or certificarion. Borrower shatl atso be responsible for the payment of any fees imposect by the F�era1 Emergency Management Agency in coffiection with the review of any flood zone determination resiilting from an objecrion by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain �nc��rance coverage, at F�nder's oprion and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Bonower, Bonower'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. �orrower 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 Secrion 5 shall become additional debt of Borrower 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 Bonower requesting payment. NEBRASKA-Single Femily-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP � VMP6(NE) i1105) Wolters Kluwer Financial Services Page 6 of 17