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��14�3539 required by RESPA, and Borrower sha11 pay �fl Lender�he amount ne�essary ta mak�up the defi��enGy in accordance vwith RESPA, bu� in no mare than �Z monthly payments. Up�n paym�n� �n full of al� sums secured by th�s S�cur�ty �nstrum�nt, Lender shall promptl� refund to B�rrower any Funds held by Lend�r. 4. �harges, Liens, Borrow�r sha�i pay a�� axes, asse�sments, charges, fines, and imposi�ions a�tributable to the Property which can at�ain pri�rity over�his S�curity �nstrumer�t, l�aseho�d paym�n�s or graund r�nts on th�Prap�rty, if any, ar�d �ommuni��Assoc�at�nn Dues, Fees, and Asse�sments, if any. To the ex�ent �hat th��e ��em� ar��scrow �tems, Borr�w�r sha�l pa� them in�he m�anner provided in Sec�ion 3. Borrawer shal�promptly discharge any lien which has priari�y o�er th�s Secur��y �nstrument unless Borrower; �a} agrees in writing t�the payment af�h�ob��ga��nn s�Cured by �he lien in a manner acceptab�e to Lender, but on��s� �ong as B�rr�wer�s perf�r�ming su�h agreement; �b} �on�est� the�ien in good faith by, or d�fends again�t enfarcerx��n�af the lien in, legal praceedings which in Lender's�pin�on opera�e to prevent the enforcement of the lien�vhile�hose pr�ceedings are pending, but on��unt�� such procee�ings are c�nclud�d; or�c} se�ures fr�m the holder of�he l�en an agreemen�sat�sfac�ory to Lender sub�rd�nating �he lien ta this Secur�t� �nstrumen�. �f Lender de�ermi.n�s that any par�of�he Praperty zs su�ject�o a�ien which can a��a�n pr�ority over�his Secur�ty �ns�rument, L�nder may gi��B�rr�wer a no��ce identifying�he Iien. Vllithin ��days�f the dat�on which tha�n�tice�s g�v�n, B�rrower sha�l satisfy the l�en ar take ane or mare af th�action� set f�r�h above in this Se�t�on 4. L�nder may requ�re Borrower to pay a one-time charge far a real�s�ate tax verif��at��n andlor r�parting serv�ce used by L��r��r in conn�c�ion w��h this Loan. 5. Pr�perty Insurance. Borrower sha11 keep the �mprovem�n�s naw ex�s�ing or hereafter�rected�n the Prop�rty �nsured aga�nst �ass by�r�, hazards �nciuded w�thin the t�rm "extended co�erage," and any a�her hazards �nc�ud�ng, bu�not��am�ted�a, earthquakes and floods, for v�hz�h Lender requires insurance. This �nsuranc�shall be main�ained in the amounts t�ncluding dedu�txb�e��e��} and far the per�ads that Lender requires. V�ilhat Lender requires pursuan�t�th�pr�ced�ng sentences can change during�h�term of the Loan. The in�urance�arr�er prov�dzng�he �nsurance sha��be chosen by Borrower subject to Lender's r�ght to d�sappro�re Borrawer's ch�ice, v�hich right sha11 nat be exerc�sed unreasonab��. Lender may require Borrower ta pay, in connect�on wi�h this Loan, e�ther: �a} a one-time�harge for f�ood zane de�erm�.na��on, cer�ification and tracking services; or�b} a one-time char�e far�.00d z�ne deterrninati�n ar�d cer��f�Cat��n services and subsequent charg�s each time remapp�ngs or sim�lar�hang�s occur whi�h rea�anab�y might affe�t such de�erm�nat�an or cer��cat�an. Borrow�r shall also be respfln��ble for�he payment of an�fee� xmposed by �he Federal Em.�rgency Managerr��nt Ag�ncy in C�nn�ction w�th�he review af any fload zone d�termination resu�ting from an�b�ec�i�n by B�rraw�r. �f B�rrower fails to main�a�n any of the caverages described abov�, Lender may obta�n�nsurance c��erage, a�Lender's�p��on and Barr�wer's exp�nse. Lender is under no obliga�ion to purchase any part�cular type Qr amoun�of coverage. Th�ref�re, such co�era�e shal� cover L�nder, bu�might or rnight not prot�ct Borr�wer, Borrov�er'�equity in th� Prnperty, or th��on��n�s of the Proper�y, against any r�sk, hazard or liabz�i�y and migh�provid�grea�er ar�e�ser co�erage than�vas pr�vious�y in effect. Borrower ac�nowledges tha�the cost �f th�in�uranc�coverage so o�tained nl�ght significantly exceed the cost of insurance�hat Borrawer c�u�d ha�e obtained. An�amounts disbursed by L�nd�r under this Sec�ion 5 sha��become additior�a� debt of Borrawer secur�d by this Security Ins�rument. These amnunts sha��ear�nterest a��he N�t�rate from the date of disbursement and shall be payabl�, w�th such �n�erests upon not�ce from Lender�n B�rr�w�r reques�ing paymen�. NEBRASKA-Sin�1e Famiiy-Fannie Mael�red��e Mac UNIFQRM INSTR�MENT �orm 3D2$1 J41 VMP[�] VMPfi{NE3 t�302� Walters Kluwer Financ�al 5ervices Page F of 17