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201207� 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 ttris Security Instnunent, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay alI taxes, assessments, charges, fines, and impositions attributable to the Froperty which can attain priority over tius Security Insmiment, Ieasehold payments or ground rents on the Properiy, if any, and Commnnity Assaciation I3ues, Fees, anct Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. �orrower shaU gromptly discl�arge any lien wluch I�s priority over this Security �nstrunient u�less Borrc�wes: (a) agreres in vvri�g to the payment of the obTigatio� se.cured: by t8e lien in a manner acceptable to �.endeg, but o�y sa Iong .as Borrower is gerforming such agreement; (t�) contests the lien in gooc� faith by, os ciefeIIds against enforcement of the liea in, Iegal pr�.ings which in Lencler's opiruoa operate to prevent the eIIforcement of the Iien while those proceedings are pend'mg, but only vntil such groceediags are coacluded; ar (c) sec�res firo�e the holder of the lien an, agreemern sarisfactory to L�cder subordinating the lie� to this Se,curity �meaet. Tf �,ender cfietermines that atry part of the Property is suS�ject to a Iien, which caa �tta�a priori�y aves this Security �e�t, Lenc�er may give �orrow+er a n.otic� ici�tifying the lien. �dithia l0 days of the �ate on whic:h tl�at aotice is given, Borrower s�I satisfy t�te Iie� or t�ke one or more of the aetioffi set forth abov� ia this Section 4. LendeE �y require &rrrouves te gay a c�ne time charge for a real estate t� veriftcation �dlor reportiug ser�ice u� by E.�der in cagne�tiv�a writh tT�is Lvazc. 5. Rtoper6y lr�ran.ce. �oraov�r s�ral� keeg tT�e improvements nc��r existing or hereafter erecte� on the Property ��gaigst Ioss by fre, �ds iIICludee� witiai�c tfie term "exterided coverage," a�d aBy other hazarcts iactudiag, b� not 1'amited to, e�rthquakes and fioods, fo� which: �.ender seq instivance. TFus i� a�ce sI� ��stai�sec� ia the amounis (ineluding c�ed�ctible Ie�+els) and for the periods that �c� requires. �Vfiat L�er requires pu�t to the precediug �tences c� change du�nsg t�e terni of the �.oan. The i�urance carries provic�iag the ias�saa�e sliatl be chose� by Borrower suhJect to I�eader's right to disapgrove BorroweF's chaice, vt+luc�t right shall aot be exercised unreasonabiy. L.enc�er ma� re4uire Barrower ta pay, ia cannec�ioa v�t1a this Loaiz, either: (a) � one-time ch�rge fos ftooc� zaue c�etermi.nation, certificatio� a� tr�cicit�g services; or (�s} a oae-tim,e charge fc>s IIooc� a.one cfieterniiaation aac� certific�tion ser�ices artc� �Gs�uent charges each time remappings or similar changes occur which reasonably might affect snch determination or c�rtifcation. BQrrower shatl alsa be responsible for the gayment of any fees imposed. by the Eedera] Emergeacy 1V��anagement Agency in co�ecrioa with the revie�v of aay fiood zone determ'raa�ion resulting from � oi�jection by �rrower. If Borrower faiIs to maintain any of the caverages descril�ed a�ve, I.eIIder II11y Obtlltt tnQ�*anC6 COVei�ge, at Lender's option aud Borrower's ezpense. 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 Borrower, Eonower's equity ut the Property, or the contents of the Properiy, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effe,ct. Borrower acknowledges that the cost of the inc��ran� 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 Borrower secured by this Security Instrument. These amounts shall bea.r interest at the Note rate from the date of disbursement and sha11 be payable, with such interest, upon notice from Lender to Borrower requesting payment. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP 0 VMP6(NE) (11051 Wolters Kluwer Financial Services Page 6 of 17