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��15�1�77 required by RESPA, and Barrower sha��pay ta Lender�he amount necessary to rnake up the de�cienCy in accordance w�th RESPA, �ut in n�mor�than �2 month�y paymen�s. L�pon pa�ment in fu��af all sums secured b�this S�curi�y Instrument, Lender shall promptl�refund�Q Borrower any Funds held hy Lend�r. 4. Charge�; L�ens. Borrower shal� pa� a�� axes, assessm�nts, charg�s, fines, and �mp�si�i�ns attr�bu�ab�e�� the Property which�an atta�n pr�nrzty�v�r�hzs Secur�ty �ns�runnen�, �easeho�d payments ar grQund rents on the Praperty, if any, and�ammunity Assaciat�on Dues, Fees, and Assessments, if any. To the extent tha� �hese items are Escrow Items, Barrawer shai�pay �hem in the manner pra�ided in Section 3. Borr�wer sha��pr�mpt�y discharge ar�y lien which has priority o��r�his Security �nstrument un�ess Barrovver: �a} agrees�n�vvr��ng to the paymen��f the o��a�ion secur�d by the lien in a manner acc�ptable ta Lender, bu�an�y so �ong as Barrawer is perforrning such agreement; �b} cantes�s the lien�n gaad faith by, ar defends against enfarcement af the lien in, �egai proceedings which in Lender's opin�on aperate t�pr��ent the enforcement of the lien wh�le those proce�dings ar�pen�iing, but only until such pr�ceed�ngs are concluded; �r�c} secures fram�he holder of the 1 ien an agreemen�sa�isfactory�o L�nder subflrdinat�ng the ��en��h�s Security �ns�rument. �f Lender determines tha�any part of the Proper�y is sub�ect to a Iien which can a��a�n pri�rity�ver this Secur�ty �nstrument, L�nder ma�give Borrow�r a no�ice iden��fying �h�Iien. �ithin 1�days of the date an which that not�ce is �i�en, B�rro�ver shall sa�isfy�he��en or take Qne or m�re of�he act�ons se�for�h ab��n thz��e�ti�n 4. Lender n-�ay requ�re Borrow�r tfl pay a Qne-�ime charge for a real esta�e tax veri�ca�ion andlor r�parting ser�ice used by Lender in conn��ian w�th this Laan. �. Property Insurance. Barrourer shall keep the improvements now existing nr hereaf�er erected on the Proper�y insured agains��oss by �re, hazards �ncluded within the term "e�tended coverage," and any o�her hazards �nc�ud�ng, bu�not�imaited to, earthquakes and flflods, for wh�ch Lender r�quires insuranc�. This �nsuran�e shal� be�na�n�a�ned in�he amaunts �znc�udzng d��iuct�b��leve�s} an�i for�he periods that Len�ier requires, Wha� Lender requires pursuant to the preceding�entences�an change�uring�he�erm af th�Loan. The insuran��carrier pro�iding the insuran��sha11 b��ho�en by Borrower subj�ct�a L�nd�r'�r�ght t� d�sappro�e Borrower's chaice, which rzght shal�not be exer�is��unreasonab�y. Lend�r may require Borr�wer ta pay, �n�anne��on with�h�s L�an, e��her: �a} a�ne-��m�charge f�r fl��d zone de�ermination, cer�if��a�ian and track�ng services; or�b} a ane-tinle charge for fioad 2one determ�na�ion and cert�f�cation services and subsequent charg�s�ach time remappings or simiiar changes occur v�vhich reasonab��might affec�such determina�i�n or certifica�i�n. Borrower shall also be respansible fnr the paymen�of any fees imp�sed by�he Federal Emergen�y Management Agen�y �n connec�ion wi�h the re�iew of any�1ood zone determinatian resulting fr�m an obj ecti�n by Borrower. �f Borrawer fai�s�o ma�n�ain any of the co�erages descr�bed abo�e, Lender may abtain in�urance ca�erage, at Lender's op�ivn and Barrawer's expense. Lender is under no ob�iga�ion�a purehase any par�icular�yp�or am�unt�f coverage. Therefore, such co�erage shall cover Lender, but migh�or m��ht not pratect Borrower, Borrawer's�quit� in the Property, ar�he Contents af�he Pr�perty, agains�any risk, hazard flr��ab��y and mi�h�pro�ide greater or l�sser coverage�han was pre�ious�y �n effec�. B�rrawer acknaw�ecig�s that�h�co�t af the insurance co�erage so obta�ned mi�ht s�gn�f�cant�y exceed the cost of insurance that B�rrow�r could ha�e obtaine�. Any amounts disbursed by Lender under�his Secti�n S �haii become addit�onal d�bt of Barrower secured by this SeGurity Instrument. Th�se amoun�s shall bear�nt�r�s�a�the N�te rate frozn the da�e of d�sburs�ment and �ha��be payab��, w�th su�h znterest, upon n�t��e fram Lender to B�rrav�rer requ�sting paynr�en�. NEBRASKA-5ingle Famiiy-�annie MaelFreddie MaG�NIF�RM INSTRUM�NT Farm 3�28 110't VMP� VMP6�NE]t730�} Wvlters Kluwer Financial 5er�ices Page fi o�i 7