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20�20�26� 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 a11 sums seeured 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 atlxibutable 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 Escrow Items, Borrower shall pay them in the manner provided in Section 3. Bortower shall promptly discharge any lien which has priority over tlus Se.curity Instrument unless Borrower: (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 Bonower is performing such agreement; (b) contests the lien in good faith by, or ctefends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proccedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which caB attain priority over this Security Instrument, Lender may give Borrower a norice idenrifying the lien. �ithin 2d days of the date on wluch that notice is given, Borrower sball sarisfy the lien or take one or more of the acrions set forth ahove in this Section 4. Lender a�y req;uere BoFrower to pay a one-time charge for a re� esta�e tax verificarioa and/or reporting serrric� trs�d i�y �nder in conn�tion with this Loan. 5. Pra�erAy Ertsuran�e. �orrower shall keep the improvements IIow existiag or �fter erect� on the Property inst� aga�nst Ioss by fire, hazards includect within t�e tean� "extend� c�verage," aIId any other hazards iIIdett�isg, hut aot limited to, earthquakes and floods, for �uhich Lender regu.ires insurance. This insurance sh�tl T�e maintained in the amaunts (including deduct��ble Ievels) and for the periods that Lender reQuires. �Vhat I.e�des requires pursuant to the preceding sentences can change during the term of the Loan. The insrsrance carrier providing the �nc�,rance shall he chosen by Borroover subje.ct to Lender's right to disapprove Borrower's choice, which right shall not be exercised uiueasonably. Lender may require BorrovNer to pay, in coanection with this Loan, either: (a) a one-time charge for fiood zone det�n�t�on, certi&catioa anc� Lracking services; or (b) a one-time charge for IIcwd zone determination aBd certifcation servit�es a�d subsequent charges each time remappings or similar changes occur w+hich reasonably might affect such �eetermination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connectioa with the review of any flood zone determination resulting from an objection by Borrower. If Bonower fa.ils to maintain any of the coverages described above, Lender may obtain �nc��rance coverage, at Lender's oprion and Bonower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Ttterefore, such coverage shall cover Lender, but might or might not protect 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 �nc�,rance 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 secured by tlus 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-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP � VMP6(NE) (1105) Wolters Kluwer Financial Services Page 6 of 17