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20110821� required by RESPA, and Borrower sha11 pay to Lender the amount necessary to make up the de�iciency 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 Bonower any Funds held by Lender. 4. Charges; Liens. Bonower shall pay all taxes, assessments, chazges, fines, and impositions attributable to the Property which can attain priority over this Security Instivment, 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 are Escrow Items, Bonower shall pay them in the manner provided in Section 3. Bonower shall promptly discharge any lien which has priority over this Security Instrument unless Bonower: (a) agrces in writing to the payment of the obligation s�ured 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 proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proc.eedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender suhordinating the lien to this Security Instrument. Tf Lender determines that any part of the Property is subject 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 shall satisfy the lien or take one or more of the acrions 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 tlus Loan. 5. Property fnsurance. Borrower shall keep the improvements now existing or hereafter erected on the Progerly insured against loss by fire, hazazds included within the term "extended covera,ge," and any other l�azards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deducrible levels) and for the geriods 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 shall be chosen by �rrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasoIIably. Lender may require Bortower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone detemunation, 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 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 connection with the review of any flood zone determination resulting from an objection by Bonower. If Bonower fails to ma.intain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Bonower's expense. Lender is under no obligation to purchase any particular type or atnount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, 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. Borrower 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 sha11 become additional debt of Bonower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the da.te of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. IVEBRASKA-Single Family-Fannte Mae/Freddie Mac UNIFORM INSTRUMENT VMP (n} Wolters Kluwer Financtal Services Form 3028 1/Ot VMP6INE) (1105) Page 6 of 17 , � „ i � . e u . �.