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��14�75�3 requ�r�d by RESPA, and Borrower sha��pa��o Lender the arnaunt necessary to make up the def�c�ency in accardance wz�h RESPA, but �n no more than �Z rnonthly paymen�s. Upon paym�en�in ful� of a�l surr�s secured by this Securz�� ns�runzent, Lender sha��prompt�y r�fund to Borrflwer an�r Funds he�d by Lender. 4. �har�es•, Liens. Borrov�rer shai�pa� a�� taxes, assessments, ��aarges, ��nes, and �mpos�t��ns attribu�ab��to the Pr�perty which can attain priarity o�er this Se�urity Instru�nen�, leaseho�d paym�en�s or ground rents on the Pr�perty, if any, and C�mmuni�y Asso�iati�n Du��, F��, and Ass�ssments, if any. T� �he ex�ent�hat these i�ems are Escrow ��ems, Borrower shall pay them�n th�manner provided in Section 3. Barrower sha��pramptly discharge an�r �ien wh�ch has pr�arzt�r over th�s Secur��y �nstrumen�un�ess B�rr��aer: �a} agrees in wri�ing to the pa�ment of th�obligat�an secured by the�ien�n a manner accep�able to L�nder, but on�y sa �ong as Borrower is p�rf�rming su�h agreem�nt; �b} con�ests the lien in go�d faith by, or defends aga�nst enf�rcem�n�of the l�en in, i�gal prnc��d�ngs which zn L�nder's op�n��n operate�a prevent the�nforc�men�of the lien whi�e th�se proceed�ngs are pend�ng, but anly un�i� such proceed�ngs are concluded; ar�c} secures from�he halder af the�ien an agreement satisfa��ary�❑ Lender subardinating the lien�a�his Securi�y Instrument. If Lender determines that an�par�of the Proper�y is su�ject�o a lien u�hich can a�tain pri�rity�v�r this Security Instrument, Lend�r may gi�e Borrav�er a natic�identifying th�l�en. With�n �4 days of the date on which that notice is given, Borrav�er shall satisfy the lien�r�ake one ar more flf�he actions se�forth abave �n th�s Section 4. Lend�r may require Borro�ver�o pa�a one-t�me charge for a real estate tax�erificatian andlar repor�ing servic�used by Lender in cannectian with this Loan. 5. Pr�perty Insuran��. Barrower shal� keep the impr�vem�nts no�v ex�st�ng or hereafter�re�ted�n th� Pr�per�y �n�ured aga�nst loss�y f�re, hazards zncluded w�th�n�he�er�m "extended co�erage," and an�r other hazards inc�uding, bu�no��imi�ed to, �arthquakes and�loads, f�r which Lender requ�res insurance. 'I`his insurance Shall be maintained in the amaunts ��ncluding dedu��ible le�els} and for the periods that Lender requir�s. �Nha� Lender requires pursuant�o the preceding sen�ences can change during the t�rm af the Loan. The insurance carrier pra�iding�he insurance shall be chosen by B�rrower sub�ect�o Lend�r's right to_ disapprove Barrower's choice, �vhich r�ght shall nat b�ex�rcise�unreasanably. Lender ma�requ�re Bflrravver to pay, �n cannec��on w��h this Laan, ezther: �a} a�ne-�ime charge for fload zane det�rm�na�xon, certif�ca�ion and tracking ser��ces; flr�b}a one-t�me charge for#��ood zflne determinatzon and c�r��f�cation s�r�ices and subsequ�nt�harges each�ime remappings ar similar�hange�occur which reasonabiy mi�ht aff�ct such d�termina�ion or�er�ificatian. Borrower shall alsa be respon�ible for the payrnen��f any f�es �mpased by the F�dera� Emergenc� Managernent Agency in cannection with the review of any f�ood z�ne de��r�ninati�n re�u�t�ng from an ab�ect�on by Borrov��r. �f Barrower fa��s to�ma�ntain any af the co�erages described a�ove, Lender xnay obta�n znsurance cav�rage, at Lender's op�zon and Barrawer's e�pense. Lender zs under no obligation to purchase any par�icular type or amoun�of cov�rage. Th�refore, such c�verage shall c��er Lend�r, but might�r might not pr��ct Borrav�er, Borrower's�quity �n�he Proper�y, ar�he cont�n�s of the Proper��, aga�nst any risk, hazard or�iabz��ty and migh�pro��de greater or��ss�r coverage than was prev�ausly in�ff�ct. Borra�ver acknowledges�ha�the c�s� of�he insurance co�erage�a obtained might��gn��can�ly exceed the cost of in�urance tha�Barravver could ha�e abtained. Any amounts disbursed by Lender under this Section 5 sha�i be�ame add��ona�debt of Borrower secured by this Security Instrument. These amounts sha�l bear interest at the Na�e rate fr�m the da�e of disbursem�nt and shai�be pa�a�le, with such in�erest, upnn not�ce from Lender t�Borrawer requesting payment. N�BRASKA-SingI��arr�ily-�anni�Mael�reddie Mac UNIFQRM INSTRUM�NT Form 3D�8 11�7 VMP[� VMPfi4N�}t13DZ} Wolters Kluwer Financial Ser�i�es Page fi of'�7