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20120261� required by RFSPA, and Bonower 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 all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Bonower shall pay all taxes, assessments, charges, fines, and impositions attributable 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 are Escrow Items, Borrower shall pay them in the manner provided in S�tion 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 by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agr�ment; (b) cantests 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 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 can attain priority over this Security Instrument, Lender may give �orrower a norice identifying the lien. Within 10 days of the date on which that notice is given, Bflrrower shall satisfy the lien or take one or more of tbe actions set forth above in this Se,ction 4. Lender may require Bonower to pay a one-time chazge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter er�ted on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be * in the amounts (including deducrible Ievels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentenc� c�n, change during the term of the L.oan. The �n� carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in conn�rion with this Loan, either: (a) a one-time charge for IIood zone determination, certification and tracldng �rvices; or (b) a one-time charge for IIo� zone determination anc� certification services and subsequent charges each time remappings or similaz clzanges occur which reasonably might affe,ct such determinarion or certificarion. Borrower shall also be responsible for the payment of any fees imposed by the Fe�leral Emergency Management Agency in connection with the review of any ffood zone determination res�ilting from an obj�rion by Bonower. If Borrower fails to maintain any of the coverages described above, L.ender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Bonower, Borrower's equity in the Properiy, or the contents of the Progerty, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Bonower acl�owledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Bonower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower se.cured by this Security Insm�ment. These aznounts sha11 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 VMP � Wolters Kluwer Financial Services Farm 3028 1 /01 VMPBWE) f1105) Page 6 of 17 r