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2011U923G required by RESPA, and Borrower st�all pay� to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon pa,ymcnt in full of all sums sccurcd by t1►is Sccurity Instrumcnt Lcndcr shall promptl,y rcfund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, cliarges, fines, and impositioi�s attributable to the Property which can attain priority over this Security instrument, leasehold payments or ground rents on the Property, if aqy, and Community Association Dues, Fees, and Assessments, if anti. To tlie estent that these items are Escrow Items, Borro�ver shall pay them in the manner pro��ided in Section 3. Bonower shall promptly discharge any lien which has priority over this Security Instrument unless Bonower: (a) agrees in writing to the payment of the obligation secured bv the lien in a manner acceptable to Lcndcr, but onl,y so long as Borrowcr is performing such agrccmcnt; (b) contcsts thc licn in good faith by, or defends against enforcement of the lien in, legal proceedings whicl� in Lender's opinion operate to prevent tl�e enforcement oI' Qie lien H�lule those proceedings are pending, but oi�ly until such proceedings are concluded; or (c) secures I'rom the holder of lhe lien an agreement salisfacton� to Lender subordinating lhe lien to this Security Instrument. If Lender de ern�ines il�t any part of the Property is subject to a lien which can attain priority over this Security Instrurr�ent, Lender may give Borrower a notice identif��ing the lien. Within 10 days of the date on which tkiat notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lcndcr may rcqwirc Borrowcr to pay a onc-timc chargc for a rcal cstatc ta� vcrification and/or rcporting sen�ice used bv Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now e�isting or hereafter erected on the Properiy insured against loss by fire, hazards included within the term "extended coverage," and any other hazards inclnding, but not limited to, earthquakes and floods, for which Lender requires insur�nce. This insurance shall be maintained in the amounts (including deductible le��els) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The ii�surance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disappro��e Borrower's choice, which right shall not be e�ercised unreasonably. Lender may require Borrowcr to pay, in conncction with this Loan, cithcr: (a) a onc-timc chargc for flood zonc dctcrnunation, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonablj� might affect such deternunation or cerli�ication Borrower shall also be responsible for the payment of aqy fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone ' deternunation resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender ma}� obtain insurance coverage, _ at Lender's option and Borrower's etpense. Lender is under no obligation to purchase any particular type or amount of covcragc. Thcrcforc, such covcragc shall covcr Lcndcr, but might or might not protcct Borrowcr, Borrowcr's cqnity in thc Propert}�. or thc contcnts of thc Property. against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly e�ceed the cost of insurance that Borrower could I�ve obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by tlus Security Instrument. These amounts shall bear interest at the Note rate from tlie date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. NEBRASKA-Singie Famlly-Fannie Mae/Freddie Mac UNIFORM INSTRUMEM Form 3028 1/01 Wolter�s Kluwer Financial Services VMPB(NE� g1105).00 Pa e6of17