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201204920 required by RFSPA, and Borrower 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 s�ured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower 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 Associarion Dues, Fees, and Assessments, if any. To the extent that these items aze Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrces 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 agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proccedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceerlings are pending, but only until such proceedings are concluded; or (c) se.cures from the holder of the lien an agr�ment satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subje.ct to a lien which can attain priority over this Se.curity Instrument, Lender may give Borrower a notice idernifying the lien. @Vitttin 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the acdons set forth above 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 conn�tion with this Loan. 5. Property Insurance. Borrower sha11 keep the improvements now existir�g or hereafter erected on the Properly insured against loss by fire, hazards included within the term "extend� coverage," and agy other hazards including, but not limited to, earthquakes and IIoods, for wIucla �.ender req,uires insurance. This insuranc,e shall be maintained in the amounts (including deductible levels) and fos the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance sha11 be chosen by Borrowes subje,ct to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. L�der may requise Borrower to pay, in connection with this Loan, either: (a) a one-time ch�rge fvr IIood zoae determinarion, certification and ttacking services; or (b) a one-time charge for flaod zone determination and certifi�ion services and subsequent charges each time remappings or similar chang� occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connecrion with the review of any flood zone determinarion resulting from an objection by Bonower. If Bonower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's oprion 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, Bonower's equity in the Property, or the contents of the Progerty, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acl�owledges 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 5ection 5 shall become addirional 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-Single Family-Fannte Mae/Fr�die Mac UNIFORM INSTRUMENT VMP Q Wolters Kluwer Financial Services Form 3028 1l01 VMPBINE) (1105i Page 8 of 17 i� w „ � e