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2Q1�0703� required by RESPA, and Borrower sha11 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 Instnunent, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay a11 taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Insmiment, 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 sha11 pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has prioriry 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 Lender, but only so long as Bonower 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 are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement saTisfactory to Lender subordinating the Iien to this Security Instrument. If Lender determines that any part of the Progerly is subject to a lien which can attain priority over this Security Instrument, Lender may give Borravver � notice identifying the Iien. Within 10 days of the date on which that notice is given, Borrower sS�tl satisfy the lien or take one or more of the actions set forth above in tlus Secrion 4. Lender may require Sorrower to pay a one-time charge for a reai estate tax verification and/or reporting service t� by L.eadet ig ��tioII with this Loan. 5. PropertY Beeserr�n�e. �orr��r sl�l keep the im�rovements now ex�stigg or her�a.fter erecced an the Progerty in�e� ag�t t� �ry fre, hazards included within the terr� "extenc�ed caverage," anci agy ather hazazds ��i�ng, ��t �i�;� ta, earthq�akes and II�ds, for which Lencier rec�uires insurance. 'Tfjis insur`ance s�I i� � ia� the amvunts (including deductible levefs) ar�d foF the ges�ods th�t L,e�er reQuires. ��.e�ctes reguires pursuant to the preceding sentences can change during the term of the Loan. T�Ce in�ce c�rri�r gre�vid�g ihe insurance shall be chosen by Borro�ver subject to Le�tder's rigYct to disapprove Be�smv�er's ehoice; which right shall not be exercised unreasonably. Lender ma.y require Borrowes to pay, in co��rn with this Loan, either: (a) a one-time charge for flood zone determination, certifcaxioa� and �ng s�ic�.s; or (b} a one-time charge for flood zone determination and certificatio� services axe�i s��uea�t eh�ges �ch ttimme remappings or similaz changes occur which reasonably might aff�ct suc� cfieterm�a�ion or c�rtification. Borrower shall also be responsibTe for the payment of any fees imposed by the Fec�erat Emergency Management Agency in connectian with the review of any fiood zone determination resutting from an objection by Borrower. If Borrower fails to maintain any of the coverages descrihed above, Lender �y obtain insurance coverage, at Lender's oprion and Borrower's expense. Lender is under no obIigatic�g to purchase any particulaz type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not prot�t Bonower, Bonower's equity in the Property, or the contents of the Property, agaiBSt any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. �nower acknowledges 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 be,come additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at tlie 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/Ot VMP � VMPBWE) (1105) WoRers Kluwer Financial Services Page 6 of 17