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20120455� required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RFSPA, but in no more than 12 monthly payments. Upon payment in full of a11 sums secured by this S�urity Instrument, Lender shall promptly refund to Bonower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and imposirions attributable to the Property which can attain priority over this S�urity 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, Bonower shall pay them in the manner provided in Section 3. Bonower shall promptly discharge any lien wluch has priority over this S�urity Instrument unless Bonower. (a) agrees in writing to the payment of the obligarion secured by the lien in a manner acceptable to Lender, but only so long as �nower 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 hold�r of the lien an agr�ment satisfactory to Lender subordinating the lien to this Security Tnstrument. If Lender deternunes that any part of ttie Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a�tice identifying the lien. Within 10 days of the date on wluch that norice is given, Borrower shall satisfy the lien or take one or more of the actions set forth ahove in this Section 4. Lender may require Borrower to pay a one-time charge 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 erected on tt►e Property insured against loss by fire, hazards ineluded within th� term "extended coverage," and any other hazards including, but not limited to, earthquakes and IIaods, for wfiich Leic�er rec}uires insurance. This insurance shall be maintained in the amouats (including deducrible levels� and far the �riods that Lender requires. What Lender requires pursuant ta the preceding sentences c;an change during the term of the Loan. The insurance carrier providing the insurance shall be chasen by Borrower subje,ct to Lencter's right to disapprove Bonower's choice, which right shall not be exercised unmasonably. Lender may require Borrower to pay, in connecrion with this Loan, either: (a) a one-time charge for IIoad zone determination, certification aud tracking services; or (b) a one-time charge for flood zone determination and certificarion services and subsequent charges each time remappings or similaz chang� occur which reasonably might affect such determinarion or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in conn�tion with the review of any flood zone determination resulting from an obje.ction by Borrower. If Bonower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particulaz type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Bonower, 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 acknowledges that the cost of the insurance coverage so obtained might significantly exc.e�ci the cost of insurance that Bonower could have obtained. Any amounts disbursed by Lender under this S�rion 5 shall become additional debt of Borrower secured by this 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-S(ngle Family-Fannie Mae/Freddie Mec UNIFORM INSTRUMENT Form 3028 1/01 VMP � VMPBINE) �7105) Wolters Kluwer Flnanaial Servic� Page 6 of 17 � „ p