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�Q��O�� required by RESPA, 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 payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Bonower shall pay all taxes, assessments, charges, fines, and impositions ariributable to the Property which can attain priority over this Security Instnunent, 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 aze 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 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 proceedings aze pending, but only unril such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactQry to Lenc�er subordinating tfie lien to this Security Instrument. If Lender determines that any part af the Preiperly is subJect to a Iien which can attain priority over this Security Instrument, Lender may give Bcr��uer a uatice idernifying the lien. Within 10 days of the date on which that notice is given, Borrower s� satisfy the li�a or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax. verificatiomm and/or reporting service used by Lender in conn�tion with this Loan. 5. Property �ctsttrartce. Borrower shall keep the improvements now existing or �reaeafter er�ted an the Properly iasur� againsE loss by fire, hazards included within the term "e� covex�ge," a�i �ay Q�iier l�azards including, but nat limited to, earthquakes and IIoods, for which �der Fec}tiires iasuraace. T1sis insurance shat2 be mai,ntained in the amounts (including deductible IeveIs) a� for the peri�s that � requires. What Lender requires pursuant to the preceding sentences can change during the term of the Laan. The insuraz►ce carrier providing the �nc��rance shall be chosen by Bonower s�bje,ct to I.ender's right to disapprove Borrower's choice, which right shall not be exercised unreasonablg. Lender may require Borrower to pay, in coffiection with this Loan, either: (a) a one-time charge for IIood zone determina�ion, certificatian arni trael�ng services; or (b) a one-time charge for flood zoae deter�ninatioa arn� certificatioa senrices atn� subsequent charges each time remappings or similar changes occur which reasonably might affect such determinarion or certification. Bonower shall also be responsible for the payment of any fe,es imgosed by the Fe�eral Emergency Management Agency in connection with the review of any IIood 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 option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, agaiast any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower aclmowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any atnounts disbursed by Lender under this Section 5 shall become additional debt of Bonower 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 norice from Lender to Bonower requesting payment. NEBRASKA-Single Family-Fannie Mae/Freddle Mac UNIFORM INSTRUMENT Form 3026 7l01 VMP Q VMPB(NE) (1105) Wolters Kluwer Financfal Services Page 6 of 17