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��14�3444 requir�d by RESPA, and Borrower shall pa� to L�nder the anz�un�n�cessary �o make up �he d�fi�ien�y�n ac�ordanc�wi�h RESPA, but in no mare than ��month�y payments. Upon pa�m�nt �n full of all �ums secured by this Se�u�r�ty �nstru�a�n�, Lend�r sha�l pramptly refund to B�rraw�r an� Funds he�d by Lender. 4. Charges; Liens. Borrow�r shal�pay all tax�s, ass�ssm�nts, charges, fines, and imposition� attribu�able to the Prflperty wh�ch can at�ain priarity over�his Security Instrument, �easehold payments or gr�und r�nts on th�Property, if an�, and �ommunit�r Assoc�a��on Dues, Fees, and Assessmen�s, if any. Ta th��xten�that the�e�tems are Escr�w �t�ms, Borraw�r sha��pay�hem in�he manner prav�ded �n 5ection 3. Borrovwer shal� promptly dis�harge any lien which has pri�rity over this 5e�urity Instrumen�unless Borr�w�r: �a} agrees in wr��zng to�he payment of the obligation secured hy�he lien in a manner acc�ptabl� to L�n�er, but on�y s� long as Barrovver is perfarm�ng such agre�nzent; �b} contests the Iien in good fa�th by, or d�fends aga�nst�nfnrC�m�n�of�he l�en in, l�gal proce�d�ngs which in Lender's op�nion opera�e to pre�ent the enforcement af the l�en urhii��hose proceed�ngs are pend�ng, but an��un�il such pro�eedzngs ar� concluded; or�c} secures from�he holder of the�ien an agreemen�satisfactor�t� Lender subor��natir�g the lien to this Se�urity Instrument. If Lender de�ermines that an�par�of th�Proper�y �s subjeCt to a��en wh�ch can attain pr�ori�y over this 5ecurity Instrument, Lender may gi�e Barrower a nQt�ce ident�fy�ng the lien. V�zthzn ��days of�he date on which tha�not�ce is given, Borrativer shall sa�isfy�he Iien or�ake one or mare of the acti�ns se� forth a�ave �n th�s Sec��an 4. Lender may require Borr�wer ta pay a onewtime charge for a real es�ate tax�erifi�at�on andlar repar�ing s�rv�ce used��r Lender in cannec�i�n�vith this Loan. 5. Prnperty �nsuranc�. Borrower�ha�l keep the zmprav�m�nts now ex�s��ng or hereafter�recte�on the Propert� insured aga�nst�oss by fire, hazards included w�th�n th�ter�m "extende�co�erage," and any o�her hazards inc�uding, �ut not�imi�ed to, earthquakes and floods, f�r which Lender requir�� nsuranc�. This �nsurance sha��be maintained in th�amounts �including deductib�e�evels} and for the per�ods�ha�Lender requ�res. What Lender requ�res pursuant to the preceding sen�enCes can change during�he term of the Loan. The�nsurance carrier prov�din��he�nsurance sha��be ch�sen by Borrawer sub�ect to Lender's r�ght�o disappra�e Borr�wer's choicey �vhich righ� shall not be exerc�sed unreasonab�y. Lender may require Barr�wer��pay, �n�annec�ion wi�h this Loan, either: �a} a one��me charge for��aad zone determ�na�ion, cer��ca��n and tracking ser��ces; or��} a one�t�me charg�for flo�d zone d�terminat�on and cer�ifzca�ion services and subsequent charges�ach tznze remapp�ngs�r s�mi�ar changes occur which reasonably might affect su�h determination or cer�ifica��on. Barrower sha�� a�so be respon��b�e f�r�h�payment�f any f�es imposed by the Federal Emergency Management Agen�y in connection with the rev��w of any f��ad zone determinat�on resu��zn� from an obj e�t�an by Borrawer. �f Borrawer fai�s to mainta�n any of�he co�rera�es descr�b�d aba�e, Lender may obtain insuranc�coverage, at Lender's op�i�n and Borrower's e�pense. Lender is under no�bl�gat�on�n pur�hase any par��u�ar�ype ar amount of coverage. 'T�herefore, such co�erage shall cover Lender, but might ar m�gh�not pr�t��Borrower, Borr�v�er's equity �n th� Prop�rt�, or the c�n�ents�f the Proper��, aga�ns�any risk, hazard or liab�l�ty and mzght pr�v�d�grea�er flr�esser co�erage�han�as previnusiy �n effec�. B�rro�v�r acknovv�edges that�he cost �f�h� insurance c��rag�so abtained might s�gnz�cant�y exceed�he cos�of insurance�hat Borrower c�u�d hav��b�azned. Any am�unts disbursed by Lend�r un�er th�s Sec�xon 5 sha��hecome addi�ional debt of Borr�wer s�cur�d�y this Secur�t� �nstrumen�. These am�unts sha�I bear interest at the No�e rat�from the date�f disburs�n�ent and sha��be payabl�, �vi�h�uch int�rest, upan no�ice fr�m L�nder to Borr�wer requesting pa�men�. NEBRASKA-Sing�e Family-Fanr�ie MaelFreddie Mac UNIF�RM INSTRUMENT �vrm 3D28 11a� VMP� VMP54N��{�342; Walters K!u►�ver�inanciat 5er�ices Page 6 of 17