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��14�3�99 �-equ�red by RESPA, an�B�rrower sha:�pay to Lender the a�.n�unt necessa�y to make up th�defi�iency�n accordaence with RESPA, but 1n no more�han i 2 monthly payme��s. Upan payment i.�fu1�of a1�sums secured by�his Se�ux�ty Instru:men�, Le�.de�-sha1�promp�Iy refund to Borrower arly F-un_ds held by Lender. 4. �harges7 L�ens. Borrower sha�1 pay aI�taxes, assessments, charges, �nes, and unp�sit�ons at-�ributab�e to the Property w�ch ca�attaYn pr�or�ty over this Securi�Ly�is�rum��.t, �.easehold payments or ground r�n�s on the Property, if any, a.r�d,�ornmunit�r A.ssoc�a�iox�Dues, Fees, and Assessments, if an�r. T�the��tent that �hese xtems are Escrow Items, Barrower sha�.�pay therm.�n t�ie rnan�n er�rovided�.x�.Sec�ion 3_ Borrower sha�.l promptly discharge any l�en which has priar��.y over th�s Secur��y Ix�.struxrient unless Borrower: �a} agrees i��ri�ng to th.e p�.ymen�of�he obliga�.on secur�d by the lien�n a.�ma�.er acceptable �o Lender, but on�y so�or�g as BarrauTer zs performing such agreement; [b�ca�.tests�he 1�en i-�good.fazth by, or defends aga�ns�enfarcemen�af the�zen�n, Iega�praceed�ngs which zr�Lender's �pinzan operate to preven� the ex�.forcement of�h�Iien�uh��e�ho�e proceec�ings are pendiri�, �but anly un��l such pro�eed�ngs are c�ncluded; or�c� �ecures froxn�he ho�der of�he��n an agr�eme��sat�sfact�ry�a Lender suborc�i.r�atir�.g�h.e �ien t�t�iis Secu.rity Instrument. If Lender deterrx�ines�ha�any par�of th.e Property is subj ect t�a Izen wh�ch car�attain prxor�ty over�his Security Ins�rument, Lender�nay give Borrowe�a not�ce�de��fying the lien. Vi1�i�in I� �.ays af the date on�h�.ch-�hat n��ice�s g�.ven, B�rra�er sha�i sat�sfy the li�n�r�a�e one or mare of�he ac��ons set forth.abo�re�n t.�is S�c�ian 4-e Lender rna�require Borro�ver�a pa�r a one�-time c�arge for a rea�estat�tax ver�ficatio�andlor rep�rting service used by Lender�n c�x�r�ecti.on wi�h th�Loar�. �, Praperty �nsuranc�. Borrower shal�keep�he impr��ements n�w ex�:stir�g or hereafter erec�ed or�the Prapex-�y�ured against�oss by fire, hazards i:nc�.uded w��hin the term"extended Coverage," ar�.d any other hazards xnc�ud�ng, bu�not Iin�uted to, ea-t-�hqua�es and�loods, for urhich Lender requires insuranc�. Th�s �n�urance shall be xna�nta�:ned in�he amounfs[�nc�.uding dedu��tible�eve�s}an.d�ar the pe�-�ods�hat 1Lender requires. �.iat Lender requir��pursuant to�he preced��sen�en.�es can change c�ur�za.g the ter�.of th.e I1aan. The insura.rice carrier pro��g the insurance shal�be chosen by B�rrow�r subj ect to Le�d.er's righ��o d.�.sapprove�3orrower's cha�c�, which rigPub sha.1.1 nflt�e exerc�sed u�area.sonabl:y. �e�c�er�nay re�ui-�-e Borrovver�o�ay, zr�connec��an.w�th this Laan, e��her; (a}a ane-�z�ne charge for��od zone�.eterxn�nat�an, cer��.f�ca.tiorx a�c�track�ng servlc�s; or�b) a�r�e-t�me charge for fload zone determi�at�o�anc�cert�.ficata.o� servzces and subsequent�harges each.time remappir�gs or sirmi�ar changes occur which re�.sanably xn-�gh� aff`ect�uch deternunat�an or cer��cat�o�. Barraurer sha��a�so be responsib�e far�he paymen�of any fees �.posed by the F edera�.Emergency Management Age�:cy ir�canneet�o�u�ith�e review af any fload zo�.e determ�r�at�an resul�ing from a�Qbj ect�on by Borrower.. If Borrower fai�s�o m�a.ntazn any of the caverageS described above, Lender may obta�n�nsur�nnce caverage, � at Le�der�s opti�n anci Borro�rer's e:xpex�se. �.ender zs�der no ob��ga�xon to purch.ase an:y part�icular ty�e ar amaunt of coverage. The�efor�, suc�:coverage s�a11�ovex-�e�de�-; �ut rrug�t ar might�ot�r�teet Barrfl�trer, �Borrower's equ�.ty��h.e Praperty, or�h�e can�ten�s�f�l�e Pr�pe�ty, aga�.nst a-�y ris�, �.aza�-d or�.�ability�d m.Yght prov�.de great�r or Iesser coverage�h�n was prevzous�.y in effe�t. Borro-�ver ackn��r��d.ges�hat�e c�st of�e lnsurax�ce caverag�so abtai.ned might si.gn�f�can��y excee�.th�cost of insU.rance that Baxrower could. have obta.aried. 1A.ziy am�un�s c�.isbursed by Lender under this Sect�an� sha��beeome addx�iana.�.d.ebt flf Borrower s�cured by this Security Instr-u.ment. These a�nour�.ts sha�I bear�nt�rest�t the Note ra�e fro�n�he date af d�.sbu.rseme�t and shall be payab�e, �.�h such interest, upon notice from�Le�c��r�o Borrower requestzng paymen�. 2�oos�� NEBRASKA-Singf�Famify-Fannie MaelFr�ddie Mac�NIFOP,1Vl lNSTRUM ENT Form 3�28 11Q� VNi P� VM P6{NE}��3Q�} UVoite�s Kluw er Financial Services Page 5 af��