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��14��573 requ�r�d by R.ESPA, and Borrower sha�� pay�o Lend�r the amount necessary to make up the d��ciency in acc�rdance w�th RE�PA, but in n�more than �2 manthly paymen�s. Upon payxnent �n fu�� of all sum�s secured�y th�s Security �nstrurn�en�, Lender shail promp��y refund to B�rraw�r any Funds heid by Lender. 4. Charges, Liens. Barr�wer shall pay a�� taxes, assessments, charg�s, fines, and impos��ans attr�butab�e�o the Prop�rty which can attain pri�rity over th�s Securi�y �ns�rument, l�aseho�d payments or ground r�n�s on the Property, zf any, and Convmun��y Associat��n Dues, Fe�s, and Assessmen�s, if any, T� �he exte�t tha� th�se ��ems ar� Escrow Items, Borrower sha�l pay�hem in the max�ner pro�ided in Sec��on 3. Borrov�er shai�prampt�y discharg�an��ien which has priority ov�r this S�curi�y �ns�run�en�un�ess Bnrrawer: �a} agrees�n writ�ng ta�he payment�f�he ob��ga�ion seCured by the��en in a mann�r acceptable �o Lendery �ut on�y so �ong as Borrower is perforn�.�ng such agreement; �b}cnntests�he�ien in good fa�th by, or d�fends agains�enfarcem�nt of the�ien in, lega�pr�ceedzngs which in L�n�.er's op�nion aperat�ta prevent th�enfarcem�nt af th��ien wh��e thase proceedings ar�pend�ng, bu�on�y unt�� such praceedings are �onc�uded; ar�c} secures from�he h��der of�he�ien an agreen�en�sa�isfactary�o L�nder subordina�ing th� lien to�his Securi�y�nstrumen�. If Lend�r de�ermin�s that any par�af�he Property�s su�jeCt to a lien which can at�ain priori�y o�er this Security �nstrument, Lender may gi�e Borrower a n�tice�dent�fying�he�xen. �'�V�th�n �fl days af�he date an whzCh that no�iCe is g�w�n, Bnrrnwer shal� sa�isfy the�zen or take on�or more of the ac��ons se�for�h abo�e in�hzs Sec��an 4. L�nder may require Barrovver�a pay a oneMtime char�e for a rea��state tax veri�cation andlor repar��ng s�rvic�used by L�nder in c�nn�ction u�ith this Loan. 5. Property Insuranc�. Barrower sha��keep�he�mprovenzents naw e��stzng or hereafter erec�ed on th� Praperty insured aga�n�t Ioss by fire, hazards inc�uded w�thin the term "extended c��erage," and any oth�r hazards �n�luding, but na��im�ted ta, earthquakes and floods, for which Lender requires �nsurance, Thzs insuranc�shall be main�ained�n�he amount� (inc�udin�deduc�ible le�els} and far the periods tha� Lender re�uires. '�Vhat Lender requires pursuant ta the pr�ced�ng sen�ences can chan�e during the term of the L�an, The �nsurance carr�er providing�he�nsurance sha��be chasen by Barrower subje�t to Lender's right�o disappro�e Borrow�r's�haice, which right shali not be exercised unreasonabi�. Lend�r ma� requ�re Borro�er ta pay, in conn��i�n wi�h this Loan, �ither: �a} a�ne-time�harge f�r�1oad zane determination, cer��f�cat�an and traGk�ng serv�ces; or�b} a orz��t�me charge for f�ood z�ne de��rm.ination and certificatian serv�ces and sub�equent charges each time renlappings or s�rni�ar changes occur which reasanably might affec� suc�de��rnunation or certificatian. Borrower shall also be respansible for the payment af any fees impased by the Federal Emergency Mar�agement Agenc�in connection with the r�vzew of any flaod zone determination result�n� fr�m an o�jection by Bnrrov�er. �f Borrawer fa��a n�a�nta�n any of the co��rages described abnve, Lender m�ay obtain insurance c�v�rage, at Lender's�ption and Borr��ver's expense. Lender is under no obligation to purchase an�par�icu�ar typ�or amount af co�erage. Therefare, such caverage shall cover Lender, but migh�ar might not protect Borrower, Borr�wer's�quity in the Prnper�y, �r the c�nt�nts af the Property, against any r�s�, hazard or lia�i��ty and m�ght prov�de grea�er ar lesser coverage�han was previous�y in eff�C�, Borrower ac�no��edges tha�the Gost of�he insurance ca�erag�so ob�ained nc��ght s�gn�f�cantly exceed the cost of insuranc�tha�Borrawer�ou�d hav�abta�ned. Any am�unts disbursed by Lender under this Sectian 5 shall become additi�na� debt�f Barrower s��ured��his Se�ur��y �nstrurn�n�. The�e ar�z�unts sha��bear�nter�s�at�he No�e ra�e from the date�f di�bursen�ent and shal�b�payable, w��h such interest, upon no��ce fro�n Lender to Borr�wer reques�ing payment. N�BRASKA-Singte Family-�annie MaelFreddie Mac UNlF�RM INSTR�MENT Forrr}3028�ID1 VMP Q VMPfitN�)t13��} VIIOI�0C5 KIUWEf FIf��t10E�I S�rVIC�S Page fi tif'�7