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��14�1��5 requir�d by RESPA, and Borrower shall pay to Lender the amount n�cessary��make up th�deficrency�n accordance w�th RESPA, �ut in na mor�than 12 monthly paym�nts. IJpon paym�nt in full of al.l sums s�cured by�his Security �nstrument, Lender shall promptly refund to Borrow�r any Funds held by L�nder. 4. Charges; Lien�. Borrawer shall pay a1.1 taxes, assessments, charges, fines, ar�d impos�tzans attr�hutable�o the Property v�hich can attain pr�or�ty over�his S�curity Instrument, leaseho�d payments or ground rents on �he Property, if any, and�ommunity Association Dues, Fees, and Ass�ssrr��nts, if any. To�he extent that �hese items ax�Escrow Items, Bnrra�ver sha�I pay them�n the manner provide�in 5�ction 3, Barrower shall prom.ptly d�scharge any��n which has priority over thzs Secur�ty Instrum�nt unless Borrower: (a� agre�s in writing t��he payment of the o�lzgatzon secur�d by�h�lren in a mann�r acceptab�e to L�nder, but only so�ong as Borr��v�r is perf�rming such a�reement; �b} contests the Iien in good fa�th�y, or defends against enforcement of th�lien in, legal proceedings v�hiGh in Lender's op�nion operate to prevent the enforcement of�he I�en while thase proc�edings are p�ndxng, but only untrl such proc�edings are concluded; flr�c} secur�s fram the hoI der of�he l��n an agreement s atisfactory t�L�nder su�ord�nating��ie l��n ta this S�curi�.y rnstrument. If Lender d�termines that any part of the Property zs subj ect to a lien which can attain p�iority over thzs Security Instrument, L�nder may give Borravver a x�otic�identifying the lien, �ithrn I� days of th�dat�on which that no�ice is gi�ren, Borrower sha�� satisfy the Ii�n ar take one or more of the a�tinn� set for�h above in th�s Section 4. Lender ma�require BorroVver to pay a one-time charge for a r�al�sta�e tax�rerificat�on andlor reporting servi��use�by Lender iri connect�on vvi�h this Loan, 5. P r o p e rty I n s u r a n c e. B orro�ver shall keep the improvement s naw e�i sting or h�reafter ere�ted on the Property insured against Io�s b�fire, hazards �nc�uded wi�h�n the term "e�t�nd�d caverage," and any other hazards �nc�udzng, bu�not Iimited ta, earthquakes and f�oods, for wh�ch Lender requires insuranc�. This insurance sha�l b�ma�ntained in the amounts ��ncluding deduc�ibl�Ievels} and for the perxods that Lender requires. �Vhat Lender requires pursuan�to the pr�ceding s�ntences can change during�he t�rm of the Loan. The insuranc�carri�r pra��dxng the xnsurance shal�b� chosen�y Borro�ver subj�ct�a Lend�r's right to disapprove Borra�v�r's choice, which right shall riot be e�erczsed unr�asanab�y. L�nder may require Borrower to pay, �n conn�ctian vvi�h this Loan, e�ther; �a� a one-�im�charge for flood zone determina��on, certifi�ation and�racking services; or�b} a one-�zme charge for flood zone determination and cer�ificat�on serv�ces and subsequent charg�s each�zm.e remapp�ngs or similar chang�s occur which reas�nab�y might affect such deterxnination or cert�f�cat�on, Btirr�w�r shall also be responsible f�r the payment of any fees imposed by�he Federal Emerg�ncy Management Ag�ncy in connecti�n wx�h the r�vzew of any f�ood zane d�terminatron resulting fram an obj ection by Borrower, If Borrower fails to maintain any of the coverages descr��ed a�ave, L�nder ma�obtain insuranc�coverag�, at Lender's�ptxon and B�rr�wer's expense. Lender is under no obligation ta purchase any part�cu�ar type or amount of co�rerage. Therefore, such ca�erag� shall cover Lender, but might or m�ght not pr�tect Borrower, Borrawer's �quity in the Property, or the con�ents of the Property, agains�any rzsk, hazard�r lYabilit� and might provide greater or��sser coverage�han�vas previously�n effect. Borrower acknow�edges that the cost of�he insurance cov�rage so obtained nught s�gn�ficantly exceed th�cost of insurance that Borrawer could have abtained. Any amoun�s di�bur�ed by Lender und�r�his Sect�on 5 shall�ec�me additional debt of Borrovver se�ured by this Security�nstrum�nt. These amounts shall bear interest at the Note ra��from the date of d�sbursement and shall be paya��e, wzth such interest, upon ri��ice from Lender�o Borrow�r requ�sting paymen�. N�BRASKA-5irigle Family-�annie MaelFreddie Mac UNlFDRM iNSTRUMENT �orm 3p28 11�1 VMP Q VMP6{N�y�13�2} Walters Kluw�r Financial 5er�ices Page B❑f 1 7