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� ��14�175� requ�red by R�SPA, and Bo��ower shal� pay to L�nd��h� amount nec�ssary �o make up the defzciency in accordance �ri�h RESPA, bu��n mo more than 12 monthly pa�men�s. Upon payment zn ful� �f a�l sums secured�y this Secur�ty instrum�nt, L�nder shal� p�amp��y refund to Bar�o�er any Funds held b� Lender. 4. Gharges; L�ens. Borrower shali pay a�1 ta�es, assessments, �ha�rges, fin�s, and imposi��ns attributab�e t� �he Prapert� wh�ch can at�ain przo��ty over this Secur�t� �nstrum�nt, �easehold paym�n�s ar ground rents on �he Pr�pe�r��r, if any, and C ommunity A ssoc��tion D ue�, Fees, and �ssessm�nts, if any. T❑ the exten��hat �hes� items are �scrow Items, Bor�o�re� �ha11 pay �h�m in �he manner p�rovide�. �n S��t�on 3. Bor�rawe� sha11 prom�t�� dis�harg� an� lzen which ha� pr�ori�� o�er th�� S�curit� �ns�rumen�unless B o��ra�er: �a} agre�� in �v�i�ing to the p a�m�nt�f�he ablig a�io n secure� by the lien �n a m anne� accep�ab�e to Lender, but only so lang as Borrow�r �s pe�fo�ming su�h agreement; �b} eon�ests th� lien in good faith by, �r d�fends against enfarcem�nt of the Iien �n, �ega� proce�dings which �n Lende�'s opznion op�ra�e �a p�even� the �nforcement of the lien �hile thos� proceed�nbs ar� pending, bu.t an�q until such pro�eedings a�e eonc�uded; or �c� s��u�es ��rom the ho�d�r of the li�n an agreement �a��sfactory to L�nder suba�dzna�ing the lien to th�s S ecuri�y �ns�rumen�. �f L�nder d��rm ine� �h at any p art o�the P rop�rt� is su�ject�a a lien w hi�h can a��a�n pri��i�� over this Securzt� �ns�rumen�, Lender may aive Borrowe� a na�i�e identifyznb the Iien. �i�h�n 1� da�s o��he date an which tha�n�tice �s given, B o�rawer �ha�� satisf� the ��en a�r take on� o�more ��he ac��an�s set�or�1n a��v� in this S��ion 4. L�nd�r may �equi�-e �orraw�r �o pa� � one-�ime c�arg� for a �eal estate ta� verifica�ao� andlo� r�por�ing se�V�ce �.se� by Lender in c��ne�t�on �v�th this �o a�. 5. Prap��y Cnsurance. Bo��v�er�hal� keep th� impr�vements no�v e�i�ting or h�r�af��r e�ec�ed on �he P�operty insured agains�loss by ��e, hazards i�cluded w�thin the t�rm "�x�ended cov�raae," and any oth�r hazards �ncluding, but no�limited �o, earthquakes and floods, for which Lender requzres insurance. This insu�ance shali be main�a�Il�d rn th� amounts �including deduc�ible lev�ls} and �o� the pe�io�s tha�L�nder r�qux�res. �ha�Lende� �equ�r�s pur�uant t❑ the p�eceding s�ntences can change du��ng the ��rm �f the Loan. The �nsurance carrie�providing th� insurance shal� be cbos�n by Borrow�r su�jee��a Lender's �ight to di�approve Barr��er's choice, �vhich ��gh� shal� not be e�er�ised un��asanably. L�nder may requi�e Barrowe� �o �ay, in connee��o� �ith th�s L�a�, either: �a} a o��-t�me �harge for f�aod zone d��er�inat�an, ce��f�ca��on an� �rac�ina se�v��s; or �b} a o�e-��ffi� charg� �o� ��o o d �o�e d��m ination a�� c��.ficati�n se�vices and subsequ��t�harges each �i�n� rer��.p��gs a� �im�Ia� changes occu��hic� r�as�nabiy miah� a��e�� uch determ�nat�on ar cer�ifi�ation. Borro�e� shai� also �e ��spons�ble for�h� pa�me�.t of any fees imposed b� the Federa� Eme��ency M anag�men�Agenc�►��n cpnn�ct��n with the �revie�v ❑f any f�oad zone determina�ion �esul�ina from an o�jec��n b� BorroWer. Z�B��r��er �ai1s �o ma�ntain any o�th� �o�erag�s �escribed above, L�nder ma� obtain �nsurance cav�xaae, at Lender's op�ion and �or�ower's ��pense: I.ender �s unde� no obl�gat�on to purchase an� particular type o� amoun�o�eoverage. There�ore, sueh co�erabe shal� cov�r Lende�, �ut migh�or m�gh�n�t pratect Bor�rower, Barro�er`s equxty in the Prop�r�y, flr the contents of th� P�op��t�, aaainst any �ri�k, hazard or lxabili�y and �.zgh�provide grea�er or less�� co�e�rage than was pr��aus�y �� ef�ec�. Bor�ra�rer acknow�edges th��h� �ost o��he insu�a�ce co�erage sD a��a�ned m�gh� s�gnr��ca�.tly ��ceed �h� cost of insu�ance �hat B�rrov�� cou�d have obtai�ed. A�� a�ounts �.isbu��ed b� L�nde�un��h�s 5ection 5 sha1� be�am� add��ionai deb�of �or�o�uer �ecured b� �his S�cu�it� �ns�rument. The�e am��n�� shal� ��ar xn�ere��a��he Nat� rate fr�m the dat� o�d�sbursement and sha�l be payable, �i�h such �nteres�, upon notice �rom L�Ild�r �o Borro�v�� �eque5tlIla pa�m�nt. 2�.ov��a N EBRASKA-Single Fa�iEy-�a�nie Ni aelFreda�ie M ac Ul�1F�RNi IN'STRU lU[EI�T Form 3028�10] VM P O 1!M P6{NEl{]3f12j Wofters Kluwer F�nancia�5ervices �age fi of 17