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20�10�30� 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 a11 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, charges, fines, and impositions attributable to the Property which can attain priority over tlus Security Instnunent, leasehold payments or ground rents on the Property, if atty, and Community Association Dues, F�s, and Assessments, if any. To the extent that these items are Escrow Itams, 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 obligarion secured 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 procee�iings are concluded; or (c) secures from the holder of the lien an agre,ement sarisfactory to Lender subordinating the lien to this Securiry Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Bonower a notice identifying the lien. Within 10 days of the date on which that notice is given, Bonower shall satisfy the lien 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 verification andJor reporting service used by Lender in connection with this Loan. 5. Property Insurance. Bonower 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 hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This ;n��rance 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 term of the Loan. The insurance cartier providing the insurance sha11 be chosen by Bonower subj�t to Lender's right to disapprove Bonower's choice, wluch right shall not be exercised unreasonably. Lender may require Bonower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent chazges each time remappings or similar changes occur which reasonably might aff�t such determinarion or certification. Bonower shall also be responsible for the payment of any fe�s imposed by the Federal Etnergency Management Agency in connecrion with the review of any flood zone determination resulting from an objection by Bonower. If Borrower fails to maintain 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 particulaz type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Bonower, Borrower'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 Borrower could have obtained. Any amowats disbursed by Lender under this Section 5 shall become additional debt of Bonower secured by this Security Instrument. These amounts sha11 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-Fannie Mae/Freddie Mac UNIFORM INSTHUMENT Form 3026 1/01 V�P � VMP6(NE) (1105) Wolters Kluwer Financ(al Services Page 6 of 77