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��14�4153 required by R�SPA, and Borrower shall pay t� Lender the amount n�c;essary to m.ake up th�de�iciency in accordance with RESPA, hut �n no mor�than �2 monthly payments. tJpon payment in fuli of aI� sums se�ur��b�this S��ur�ty �nstrum�nt, Lend�r shal� promptly refund�o B�rrower an� �unds held by Lender. 4. Cha�ges; Liens, Barrower sha�� pay ai�taxes, assessments, charges, fines, and impas��ons attributable�o the Praperty�hzch can a�ta�n priority a�er�h�s S�cur�ty �nstrumen�, xeaseho�d paymen�s�r ground ren�s�n the Prop�r�y, if any, and Cammunity Ass�cia�ion�ues, Fees, and Ass�ssmer�ts, if any. To the ext�n� that th�se�tems are Escr�w I�ems, Borrower shal�pay th�m�n the manner prav��d �n Se�tzon 3. Borrower shall prompt�y d�scharge any ��en vvh�ch has pr�orxt�r o�er this Security �ns�rumen�un�ess Borrawer: �a} agrees in writ�ng to the payment af the ob�igation secured�y the l�en in a manner acc�ptabl� ta Lender, but oniy sa Iong as Barrow�r is perf�rm�ng such agreem�nt; �b} contests th�l�en in go�d fa�th by, ar�.efends agains��nforcement af the��n�n, �egal prac�edings whi�h in L�nder's�pzn�on opera�e to prevent �he�nforc�ment of the��n wh��e�hose pr�c��d�ngs ar�p�nd�ng, but on�y unti� such proceed�ngs are conc�uded; or�c} secures from the ho�der of the lien an agreement satisfactory to Lender�ubardina�ing the Iien�o �his Security Instrument. �f L�nder determines that an�part af the Prop�rty is sub�ect��a lien vwhich can attain priority over this Se�uri�y �nstrumen�, L�nd�r may gi�e Borrower a n�tice�dentzfying the�ien. Wi�h�n ��days of the date on which that not�ce is ��ven, Barrower sha11 sat�sfy the 1�en flr take one or more of�he act�ons s��far�h above in th�s Se��on 4. Lender may require Barra�ver to pay a one�time charge for a rea� esta�e tax verif�cat�on andlor rep�r�ing s�rvice used b� Lender in connecti�n with this L�oan. 5. Prflperty Insurance. Borrower sha�� keep�h��mprovem�n�s n��u�xist�ng�r hereafter erected on the Pr�per�y insured again��loss by fire, hazards included wit�in the term "extended co�erage," and any o�her hazards including, but not Iimi�ed to, ear�hquakes and floods, for�hich L�nder r�qu�r�s insurance. This insurance sha11 be main�ained in the amounts �including deductible levels} and for th�periods tha� Lender requ�res. �hat Lender requires pursuan�t�the prece��ng sentences can change durzng the term of the Loan. The insurance carr�er provid�n��h��nsurance sha�� be ch�sen�y Borrower subj ect to L�nd�r'� righ�� d�sappra�e Barrower's choice, wh�ch right sha�� not be exerc�sed unreasonably. Lender may require Borro�er tQ pay, in cannection wi�h�his Loan, ei�h�r: �a} a one--��me charg�for flood zon�de�ermir�ati�n, c�rtif�ca�i�n ar�d trac�ing ser�ic�s; �r�b} a�ne�tim�charg� for�1o�d zone d�terminat�on and��r��f��at�on s�rv�c�s and subsequen�Gharges each txme rem�.app�n�s nr s�m�lar�hanges occur wh��h reas�nab�y might aff�ct such determ�inat�on ar c�r��f�ca�ion. Borr�wer sha�l alsa be r�spans�b��far the payment of any fees impos�d by �he F�derai Emergency Management Agency in connectian with�he revi�w of any fiood zone determina�ian result�ng from an objection by Borrav�er. If Borrawer fai�s ta ma�n�a�n any of�he�ov�rages describe�abo��, L�nder may ob�ain�nsurance coverag�, at Lender's op��nn and Borr�wer's �xp�nse. Lender is under no ob�zga��an to pur�hase any particu�ar�ype�r am�unt af co�erage. 'I`heref�re, such caverage sha�� co��r Lender, but nzight or might nat pratect Borro�uer, Borro�ver's equity in the Proper�y, or the�antents af the Pr�perty, against any risk, hazard ar liabili�y an� m��h�pravide grea�er or lesser coverage than�as previ�usly in effect. Borrower acknaw�edges that the cost of the �nsurance co�v�rage sn��a�ned m�gh� s�gni�cant�y�xc�ed�he c�st of xnsuranc�tha�Borrower cou�d hav�ob�ained. Any amaun�s d�sbursed h�r Lender under�h�s SeC�i�n 5 shal�become additianal debt of B�rrawer secured��r this Secur�t�r Instrument. These amounts sha�� ar interest at the Nate rate fr�m the date af disbursern�nt and shall be payable, with such interest, up�n noti��fram Len�.er to Barrower r�quest�n�pa�ment. NEBRASE�A-Single Family-Fannie Mael�reddie Mac UNIFdRM fNSTRUMENT Fvrm 3D28 11a7 VMP� VMPfitNE�413��f V11a�ters Kluwer Financial Ser�ices Page fi vf�7