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20110900� required by R�SPA, 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 paymcnt in full of all sums sccurcd by this Sccurity Instrumcnt, Lcndcr shall promptly rcfund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to lhe Properiy which can altain priority over this Sec;urily Inslrument, leasehold paymentti or ground renls on the Properiy, 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 Section 3. Bonower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the paytnent of the obligation secured by the lien in a manner acceptable to Lcndcr, but only so long as Borrowcr is performing such agrccmcnt; (b) contcsts thc licn 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 lo ihis See:urity Intilrumenl. If Lender determines lhal any parl of lhe Property is subjecl lo 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 notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lcndcr may rcquirc Borrowcr to pay a onc-timc chargc for a rcal cstatc tax vcrification and/or rcporting service used by Lender in connection with this Loan_ 5. Property Insuranee.Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other ha�.ards including, but nol limilecl lo, earthquakes and Iluods, fi�r which Lender reyuires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the tenn of the Loan. The insurance carrier providing the inswance 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 Borrowcr to pay, in conncction with lhis Loan, cithcr: (a) a ono-timc chargc for flood zonc dctcrmination, 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 determination or certification. Borrower shall also be responsible for the payment of any fees imposeci by lhe Fecleral F.mergency Management Agency in connection wilh the review of any Ilood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of ihe coverages described above, Lender 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 covcraga Thcrcforc, such covcragc shall covcr Lcndcr, but might or might not protcct Borrowcr, Borrowcr's cquity in thc Property, or thc contcnts of thc Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in eff'ect. Bonower acknowledges that the cost of the insurauce coverage so obtained might significantly exceed the cost of insurance that Bortower could have obtaineJ. Any amounls disbuned by Lender under thiti Section 5 tihall become udditional debt of Bonower secured by this Security Instrument. These amounts shall bear interest at ihe Note rate from the date of disbursement and shall be payable, with such interest, upon notice froiu Lender to Borrower requesting payment. NEBRASKASing�e Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 30281/01 VMP 0 VMP6(NE) (1105).00 Wolters Kluwer Financial Services Page 8 of 17