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��14��13� <br /> required by RESPA, and B�rr�wer sha��pay�o L�nder the amount necessary to make up the de�c�ency zn <br /> ac�ordan�e with RESPA, bu� in n�mare than �2 manth�y payments. <br /> Upan payment in full of a11 sums secured�y�h�s Security �nstrum�nt, Lender shall promp�ly refund t� <br /> Borrou�er any Funds h�id b� Lender. <br /> 4. �harges; Li�ns. B�rrower shal� pa�a�� �ax�s, assessmen�s, charges, f�nes, and imposit�flns attributabl�to <br /> the Property which Can atta�n pr�arity�ver�his Security Instrument, leaseho�d payments or graund r�n���n <br /> �he Prflper�y, �f an�, and �ammun�ty Associatian Dues, Fees, and Assessmen�s, �f any. To the extent �hat <br /> these�tems are Escr�w Items, Borrower sha�I pay them�n th�manner prov�ded in Section 3. <br /> B�rrovwer sha��pramp��y dz��harge any ��en wh�ch has priar��y over�his Security Instrumen�un�ess <br /> Borr�w�r: �a} agrees �n v�r�tzng�o the paym.ent of the abligation secured by�he�ien in a manner acceptabl� <br /> to Lender, but only sa 1�ng as Borrawer�s perforrning such agreemen�; �b}con�es�s�he l��n��go�d fai�h by, <br /> or defends against enfarcemen�of th�lien in, l�ga�proC�ed�ngs whzch �n Lend�r's apini�n op�ra���o prevent <br /> �he enforcement of the lien whiie those prnceedings ar�pendzng, but�n��r until such proce�dzngs are <br /> conGluded; or��� secures from�he ho�der of the���n an agreement satisfac��ry t� L�nder su�ordinating the <br /> ��en�a th�s Se�ur�ty �nstrumen�. �f Lender d�termin�s that any par�of the Proper�y �s subject to a ii�n which <br /> can at�a�n priority over this Se�urity Instrumen�, L�nder may g�ve Borr�wer a notice identifying the 1ien. <br /> �ithin 14 da�s of th�date an whz�h that not�ce�s g�ven, Barrower sha11 sa�isfy the lien or ta.ke one or m�re <br /> of the actz�ns s��forth abave�n th�s Se�t�on 4. <br /> Lender may requ�re Borrower to pay a aneW�ime charge for a rea� estate�ax��r��cat�on andlor repor�ing <br /> serv�c�used by �...�nder�n connect��n with this Loan. <br /> 5. Property Insurance. Barrower shall ke�p�he impravemen�s now�xis�ing�r her�after ere�t��.on the <br /> Pr�per�� insured agains�loss b��re, hazards �nc�uded withzn the t�rm "�xtend�d�a�erage," and any o�her <br /> hazards �nc�ud�ng, but not l�m��ed�o, ear�hquakes and f�oflds, for wh�c�.Lender requ�res insurance. This <br /> �nsurance sha�x be main�ained�n��.e a�mount� �in�iu�ing deductib�e�eve�s} and for the periods that L�nder <br /> requires. What L�nd�r r�quir�s pursuant to the pr���ding sentenCes can change during the term of the Loan. <br /> The insurance carrier providing th�insurance sha�x be cha��n b�r Barrower sub�ect to Lender's right�o <br /> disapprov�Borrow�r's�h��ce, wh��h r�gh� �ha�� nat be exercised unreasonab�y. Lender may r�quzre <br /> Barrower to pay, �n c�nn�c��on�r�th thi�Loan, either: �a} a ane�time charge f�r f�ood z�ne de�ermination, <br /> cer���cat��n and tra�kzng services; or�b} a one-time charg�far flond zone determinat�on and cer�i�iGa��on <br /> services and subsequent charges each�ime remappings or similar�han�es occur w��ch reasonab�y m�gh� <br /> aff�c�such determination or�ertificat�on. Borro�er shall a1s�be responsib��for the payment�f any fees <br /> imposed by the Federal EmergenCy Managemen�A�ency �n conn�ctzon with the r��iew of any fl�ad zone <br /> determinati�n resulting frnm an ob�ectz�n by Borrower. <br /> �f BQrr�vver fai��to mainta�n any af the co�erages described ab�ve, Lender may nb�a�n znsurance�o�erag�, <br /> at Lender's option and BQrrovver's e�pen��. Lend�r is und�r no obl�gat��n�o purchase any par��cu�ar�ype nr <br /> amount af cov�ra��. Theref�re, such covera�e shall c�ver Lend�r, but migh�ar might n�t pro�ect Borrower, <br /> B�rrower's equity in�he Pr�per�y, or the��ntents of�he Proper�y, against any risk, hazard�r�iability and <br /> migh�prn��de greater ar�esser coverag��han�vas pr�vious�y in�ffe��. B�rrower acknnwledges that�he cast <br /> of�he�nsuran�e caverage so a�ta�n�d might significar�tly�x��ed the Go��of�nsurance�hat Borrow�r could <br /> have abtained. Any amoun�s disburs��.by Len�.er under this Sect��n 5 �hall bec�me addi�ianal de�t�f <br /> Barrower s��ured�y this S�curity �ns�rum�n�. These amnunts shal�bear in�eres�at the N�te rate from.the <br /> da�e of d��hursemen�ar�d sha��b�payab�e, �vith such interest, upon notic�from Lender to Borrow�r <br /> r�ques�ing paym�nt. <br /> N�6RASKA-Single Family-�annie MaelFreddie Mac UNIF�RM IN5TRLIM�NT Form 3D28 11�7 <br /> VMP d VMPB�NEy t13�2} <br /> Wolters Kluwer�ir�anc�al 5er�ices Page 5 pf 17 <br />