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��14�� required�y RE�PA, and Borrovv�r shal�pay to Lender the arnaun�necessary�a make up the d�ficiency in accardan��w�th RESPA, but �n no more�han 12 monthly payments. Upon payment in fui� of a�� sums secur�d by�h�s �ecurity �ns�rument, L�nder shali prampt�y r�fund to Borrawer any Funds held hy Lender. 4. Gharges; Liens. B�rrower sha��pay al� ta�.es, assessmen�s, charges, fines, and impnsit��ns at�r�butab�e�o th�P�oper�y which�an attain priarity av�r th�s Secur��y Ynstrumen�, leaseho�d paymen�s or ground ren�s�n �he Praperty, if any, and��mmunxty Assaciation Dues, Fees, and Assessments, �f an�r. To the extent that �hese��ems ar� Escr�w ��ms, Bnrrow�r sha�l pay�hem zn the manner prov�ded �n Sect�on 3. Barrower sha��promptly dis�harge any�ien u�hiCh has pr�ori�y o�er this Secur�ty Ins�rument Unless Barrower: �a} agrees in writin��the paymen�of th�ab�igatian secured by th�lien in a manner accep�ab�� to Lender, but flnly sa lo�g as Borrower�s perf�rming such agreement; �b}con�ests the l�en in good fa��h�y, or defends against enf�rcem�nt of�he Iien in, lega�proceedings u�hiCh in Lender's op�n�an opera�e to pre�ent the enforcement of�he��en whi�e thas�pra��dings are pend�ng, �u�on�y un�x� such proce�d�ngs ar� �onc�uded; or�c}secures from�h�h�ld�r of�h��ien an agreement sat�sfactory�� L�nder subordinating the ��en to�hxs Security �nstrument. �f Lender d�ter�nines that any par�of th� Property �s subject to a�i�n v�h�ch can attain pr�nri��ov�r�his Securi�y �nstrument, L�nder may gi��Borr�wer a not�ce�dentifying the�zen. Wit��n ��days af the date an which that notice�s g�v�n, Borro�v�r sha�� sat�sfy�he��en�r�ake ane�r more of�he ac�ians s�t forth a�ove in�h�s Sec�ian 4. Lender may r�quire Barr�wer ta pay a on��time�harge for a rea�es�ate�ax�er�f�ca�ion andlor repor�ing serv��e used b�Lender in��nnect�on w�th�his Loari. 5. Pr�perty insurance. B�rrower sha11 k�ep the improvernents now exist�ng�r hereaf�er erected an the Property insured aga�nst�oss b� f�rt, hazards in��uded w�thin the�erm "extended coverage," and any other hazards including, but n�t��mi.��d��, �arthquakes and f�aads, for wh��h Lender requ�res �nsurance, This '' �nsuran�e shall be ma�ntained in th��rn�un�s �including�eductib�e levels} an�for th�periods �ha�L�_r�� . ' �.� . requir�s. �ha�Lender requires pursuan�to the pr��ed�ng sentenc�s can char�ge dur�ng the term af tn�L�an. The xnsurance carr�er prnv�ding the insurance sha��be chosen by B�rrovver�ub�ect�o Lender's right�o d�sappro�e Barrow�r'�cho�ce, whzch r�ght shall not be e�ercised unreasonab�y. Lender ma�requir� Borrower t�pay, �r�c�nnectifln w��h�h�s Loan, ezther: �a} a one--�ime charge for f�aod z�ne determ.ination, cert��ca�ian and�racking services; or�b} a one-��me charge for flood zone determinat�nn and cer��f�ca��n serv�ce�ar�d subsequen�charges�a�h�ime remapp�ngs or s�mi�ar changes�ccur wh�ch r�asonably might affect such determinat�on or cer��cat��n. Barrowtr sha�� als�be responsibl�for the paymen�af any f��s impased by�he Federal Emergency Manag�m�nt Ag�nCy in c�r�n��tion with the r��iew�f a.n,y f��d z�n� �et�rm�na�ion resulting from an ab�ection b�r B�rrower. �f Borrower fails to main�ain any�f the�averag�s descr�bed a��ve, Lender�nay ob�ain insuranc�co�erage, at Lender's np�ion and Borrawer's�xpens�. Lender is un�er no ob��ga�ion ta purchase any par��cular�ype or amoun�of�o�erage. Therefare, such ca�erage sha11 co��r Lender, but mig��or might nat pra��c�Borr�wer, Borrov�er's equi�� in the Praper��, or�he cQntents of the Pr�p�r�y, aga�ns�any risk, hazard or��ability and �might provid�gr�ater or��sse�c��erage�han�vas pr��r�ou��y�n�ffec�.-B�rr�wer a��nawledges that�he cast of�he�nsuranc�coverage sa ob�ained might significan��y exceed the�ns�af�nsurance that Borrow�r c�uld have obtained, Any amounts dis�ursed by Lender under�his Se�t�an 5 �ha��bec�me additianai de�t af Borrawer s�cured by�h�s Security �nstrument. Thes�amoun�s sha��b�ar�nterest at��e Note rate from��e da�e af d�sbursernen�and sha��be payable, with such interest, upan n��ice fram Lender ta Borrawer requesting payment. N�gRASKA-5ingie Family-�anni�Mael�reddie Mac UN�FDRM INSTRUM�NT Form 3fl28 11�� VMP� VMPfitN�}{1��2f Walters Kluwer Financial S�r�iGes Page fi of 17