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20�20�19v required by RESPA, and Borrower sha11 pay to Lender the amount necessary to make up the deficiency in accordance with RFSPA, but in no more ttran 12 monthly payments. Upon payment in full of all sums secured by this Security Instnunent, Lender shall promptly refund to Borrower any Funds he�d by Lender. 4. Charges; tiens. Borrower shall pay all taxes, assessments, charges, fines, and imposirions ariributable to the Froperty which can attain priority over this S�urity 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 Escrow Items, Bonower shall pay them in the manner provided in Section 3. Bonower shall promptly dischazge any lien which has priority over this Securiry 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 Borrower is performing such agree�ent; (b) contests the lien in good faith by, or ctefends against enforcement of the lien in, legal proceedings which in Lender's opuuon operate to prevent the enforcement of the lien while those proceedings are gendiIIg, but only vntil such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lendes subordinating the lien to this Se.curity Instzument. If Lender determines that �y part of the Property is subject to a lien which caII attain priority over this Security Instrument, LeIIder may give Borrav�er a aotice ident�fying the lien. Within 10 days of the date on which that notice is given, BorrovNer shall satisfy the Iiea� ar take one or more of che acrions set forth above in this Section 4. LendeF inay require Bortower to pay a one-time charge fc�r a r�al estate tt� veri�catioa atid/or reporting service use� by L,ender in conn�tion with this I.oan,. 5. Property Ir��rance. Borrower shall keep the improvements now+ existing or hereafter er�ted on the Progerty insured against loss by fire, hazards included within ttie term "e�atenr�ed coverage," and any other hazards incIuding, but not limited to, earthquakes and IIoods, for vvhicl� �.ender re�}ui;res insuran�e. This insiu�aaee shall be maintained in the amounts (including deduetit�le Ieveis} aud for Et�e periods that Lender reg,uires. What Lender rec}uires pursuant to the pr�;eding sernences caa clJange during the term of the T.oan. The insurance carrier providing the in��r�ce sha11 be chosen by Borrower s�bject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasc�nabIy. Lender may require Borrowez to pay, in connection with this Loan., either: (a) a o�e time charge for flood. zone determination, certifcatioB and tracking services; or (b) a one-time charge fos IIood zoae �eetermination auc� certification �rvices and subsequent chazges each time remappings or simiiar changes axur which reasonabIy might affect such determination or certification. Borrowet shall also be respo�ble for the payment of any fees impos� by the Federal Emergency Management Agency in covnection with the review of any flood zone determination resulting from an obj�tion by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Bonower's expense. Lender is under ao obligation to purchase any particular type or amQUnt of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Bonower, Borrower's equity in the Propert}t, 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 aclrnowledges 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 addirional 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 Bonower requesting payment. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMEPIT Form 3028 1/O7 VMP � VMP61NE) (1105) Woiters Kluwer Financial Services Page 6 of 17