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2011092�0 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 s�ured 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 Properly which can attain priority over this Security Instrument, leasehold payments or ground rents on the Properly, if any, and Community Association 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) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Bonower is gerforming such agr�ment; (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 aze pending, but only until such proceedings aze concluded; or (c) secures from the holder of the lien an agr�ment satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subj�t to a lien which can attain priority over this Security Instrument, I.ender 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 S�tion 4. Lender may require Bonower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in conne,ction with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter er�ted 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 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 term of the Loan. The insurance cazrier providing the insurance shall be chosen by Bonower subject to Lender's right to disapprove Bonower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with ttus Loan, either: (a) a one-time chazge for flood zone determination, certificarion and tracking services; or (b) a one-time charge for flood zone deternunation and certification services and subsequent charges each time remappings or similaz changes occur which reasonably might aff�t such detenninarion or certification. Bonower 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 obj�tion by Borrower. If Borrower 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 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 exaeed the cost of insurance that Borrower could have obtained. Any amounts 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 notice from Lender to Borrower requesting payment. NEBRASKA-Single Family-Fennie Mae/Freddie Mac UNIFORM INSTRUMENT VMP p Wolters Kluwer Flnancial Services Form 3028 1/01 VMP6(NE) (1106) Page 6 of 17 � �