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201108442 required by RESPA, liid Borrower shall pay to Lender the�inount necessary to mal�e up the cle�ciency in �ccorciance with RESPA, but in no inore th�tn 12 inoiithly payinents. Upon payinent in fitll oF�11 suins secLtred by this Security Instruineiit, Lendei•sh�ll�romptly refiuld to Borrower any Tunds held by Lender. 4. Charges; Liens. Borrower shall��ty all taxes, assess111ents, charges, fines, and impositions attrivtrtable to the Property wl�ich cau atitain�riority o`ver tUis Security Instrument, leasehold payments or ground rents on the Property, if any, and Conui7Ltnity Association Dues, re�s, and Ass�ssments, if auy. To tihe extent th�t these itiems are Escrow Iteins, Borrower shall pay them iia the manner pro�icled in Section 3, Borrower sliall promptly dischar�e any lien which has priority over�his�Security Instrument unl�ss Borrower: (a) agrees in writing to the�aymei�E of the obligation secured by the Iien in a mamzer�cceptabla to Lender, but only so long as I3orrower is perforining such agreen�ent; (U) contests the lien in good faitll Uy, or defends agai�ist enforcement of the Iien iii, legal proceedir�gs which in Lencler's o�inion operate to prevent the enforcement of t17e lie�while t'hose�roceedings flre pending, but only u�itil sueh proceedings are concluded; or(c) secures from the holder of the lien ai1�greement satisfactory to Lender suUorciinating tlie lien to this Security Instruinent, If Lencler deterinines that any��rt of tlie Property is subject to a lien which can attain priority over this Security Iizstrument, Lender may give Bai°rower a ilotice identifying the lie�i, Within 10 days of the date on which that notiee is gi�en, Borrower shall satisfy the lien or talce one or naore oL'the actions set forth above in this Section 4. Lender m�y require Borrower to pay a one-time claarge for a real estate tax veriiication and/or re�orting service used by Lender in connection with tl�s Loaii. 5. Property Insurance. Borrower slilll lceep the iin�rovelnents now existing or hereafter erec�ed on the Property insLired agains�loss Uy�re, liazards included within the terin"extended coverage," and any other liazards including, but uot limited to, earthc�u�lces aud floods, For which L�nder reqLi.ires insurance. This iilsurance sha.11 be inaintlined in tha alnounts (inclttdiizg deductiUle levels) and for the periocls'that Lender requires. What Lender requires pLU•suant to tlae pi�eceding sentences can cllange clLU•ing ihe term of the Loan. The insurance cai•rier providing tlie insurance shall be chosen Uy Borrower subject to Lender's right to disapprove Borrower's choice, wlucli right shall not be exercised unreasoilably. Lerider inay reqttire Borrower to pay, in comlection with this Loan, either: (a) a one-time chai•ge foi•ilood zone determinatioii, eertificatioii and iracicing services; or (b) a one-time charge for flood zone cleterinination and certification services and siibseqnent charges e�ch tiine reinappings or siinilar changes occur which reasonably inight affect such determin�tior7 or certification. Borrower sha11 also Ue responsible for the paymei�t of an�fees iinposed l�y the Fec�eral Em�rgency Management Agency in connection with tlYe review o�any iTood zone determination resulting from a�7 oUjection by Borrower. If Borrower fails to maintiain a�y of the coverages described lbove, Lender may obt�in insurance covor�ge, ati Lender's option aud Borrower's expense. Lender is under iio obligation to purch�tse any particul�r type or aii�ouilt of coverage. Therefore, such coverage shall cover Lender, Uut might or might not protect Borrower, Borrowor's equity in the Property, or tlie contents of the Property, agaiiist any rislc, hazard or liaUility and inight provide gre�ter or lesser coverage th�n w�s�reviously in efFect, Borrower acknowledges that the cost of the insurance coverage so oUtained nuglit signific�11t1y exceed the cost of iilsur�nce that Borrower could 1i�ve obt�ined. Any ainounts disbursecl liy Lender under this Section 5 shall vecome aclditional debt of Borrower secured Uy this Security Instrtui7ent. These asilotuits sha11 bear interest at the Note rate fi•om the date of disbtiusement anc�shall be payable, with such interest, upon notice frotn Lendsr to Borrower requesting p�yment. 23120�J NEBRASKA-Single Family-Fannie M ae/Freddie M ac UNIFORM INSTRUM ENT Form 3028 1/01 VM P O VM P6(NE)(1105) W olters Kluw er Financial Services Page 6 of 17