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20120533� 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 all sums secured by this Security Instrument, Lender shall promptly refund to Bonower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Propertg which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fe,es, and Assessments, if any. To the extent that these items aze Eserow Items, Bonower shall pay them in the manner providerl in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Bonower: (a) agrees in writing to the payment of the obligation secure,d by the lien in a manner acceptable to Lender, but only so long as Bonower 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 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 subje.ct to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that norice is given, Borrower sha1l satisfy the lien or take one or more of the actions set forth above in this Secrion 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 I.oan. 5. Property tnsurance. Borrower shall keeg the improvements now e�cistiag or hereafter erecte� on the Property insured against loss by fire, hazatds included within the term "extended coverage," and any other hazards i�Iuding, but not limited to, earthquakes and floods, for whiclr Lender requires insurance. This insuzance st�all be maintained in the amounts (including deductible Ierre�s) ancfi for the periods that Lender requires. What L,ender requires pursuant to the preceding sentences c,an change during the term of the Loan. The insurance cazrier providing the insurance shall be chosen by Borrower subje,ct to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Bonower to pay, in connecrion with this Loan, either: (a) a one-time charge for fiood zone determination, certification and tracking services; or (b) a one-time charge for ffood zone determination and certification services and subsequent chazges each time remappings or similar changes occur wluch reasonably might affect such determinarion or certificarion. Bonower shall also be responsible for the payment of any fees imposec3 by the Federal Emergency Management Agency in connearion with the review of any flood zone determination resulting from an objecrion by Bonower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's oprion and Bonower'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 Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Bonower acknowledges 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 secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbutsement and sha11 be payable, with such interest, upon norice from Lender to Bonower requesting payment. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP � Walters Kluwer Flnancial Services Form 3028 1/01 VMPBINE) (1705� Page 6 of 17 „ z � ^ � � ; ,. �r . . �,