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��15��5� � � T�. � � � r� � �� r�quired by RESPA, and Borrow�r shall pay�o Lender�he amount necessary�a mak�u�the d��c��ncy �n accordance wzth RESPA, bu�in nfl more than �2 monthly payments. Upon payment in full�f ali sums secured by th�s S��urity �ns�rument, Lender shal� pramp��y refund ta Borrower any Funds held�y Lender. 4. �harges; L�ens. Bnr��wer shall pay al��axe�, assessmen�s, �harges, f�nes, and�mpas�ti�ns attribu�able to the Praperty wh�ch�an a��a�n przor�ty o�er�his S�curity �nstrument, l�a�ehaid payments or ground rents on th�Praper�y, if any, and�ommun��y Ass�ciation Due�, Fees, ar�d Assessmen�s, if any. T��he extent that these items are Escrow Items, Borrow�r shall pay them in the manner pravided in Section 3. B�rrnw�r sha��prampt�y d�scharge any l�en wh�ch has pr�Qr��aver�h��Se�ur�ty �nstru.ment un�ess B�rrawer: �a� agrees in writ�ng t� the payment of�he obligat��n secured by the lien�n a manner acceptable �o Lender, but an�y sa�ang as Barrower i�performing such agreement; �b}con�ests the lien in good faith by, or defends against enforcement of�he Iien in, legal proCeedings which in Lender's opinian apera�e to prewent the enfnrcemen�of th�li�n�hi�e thas�proceedings are pendin�, bu�an�y unt�� such proceed�ngs ar� c��Gluded; or�c} secur�s fram the ho�der o��he��en an agreement satisfac�ary to L�nder sub�rdina�ing th� lien�o this Security �ns�rument. �f L�nder d�termines that any par�of th�Praper�y�s �u�je�t to a lien whi�h can attain priari�y o�er this Se�uri�y Instrum�n�, Ltn��r may gi�e Borrower a na��ce ident�f�r�ng�he��n. �ithin ��days of��da��n whi�h that notz�e�s g�v�n, Borraw�r sha.�� sat�sf�r the�ien or tak�one�r mar� af the ac��ans se�f�rth abQ�e in�hzs Sec��on 4. Lender xnay r�qu�re B�rrawer ta pa� a ane-time charge far a rea� estat�ta��erifiCation andlor r�p�r�ing serv�c�used by Lender in connectian u�i�h this Loan. 5. Prnpe�ty lnsurance. Barr�wer sha�1 keep the�mpFovemen�s now exis��ng or her�af�er�r�c��d on the Prop�r��nsured aga�nst xos�by�ire, hazards inc�uded w��h�n the�erm "e�.tended coverage," and any a�her haza�ds �nc�ud�ng, but nat��m�i.ted�o, �ar�hqua.kes and f�oods, far which L�nd�r r�quir�s insurance. Th�s insura�c��nall be�naintained �n�he amounts �including d�ductible levels��?+�foR the perxods tha�Lender requires. Wha�L�nd�r requires pursuan�to the pr��d�ng sen�en�es can change dur�ng th�term�f�he Loan. The insuran�e�arrzer pra��ing the �nsurance sha��be chasen by B�rrow�r subje�t t�Lender`s r�ght�a � disappr��e B�rrower'�chazce, whzch r�gh�sha�� no�b��xerc�sed unreas�nab�y. Lender may require Borrawer ta pay, in cannection w�th�his L�an, ei�her: �a} a ane-�irrze charge far flood zone determ�na�ian, cert�fi�atian and tracking services; or�b} a oneWtime charge far fiood zone determ�nati�n and cer�ificati�n services and subsequent charges each�im�remapp�ngs or similar chang�s ocCur which reasonably migh� affect such determinatzon or cer��fication, Borrower shall alsa be responsib�e for�he payment of any fees imposed by the Federal Emergency Management Agenc�in connect��n v��h��ie rev�ew of an� �.00d z�n� d��erminat�on resu��ng from an ob�ect�an�y Borr�wer. �f Borrov�er fai�s to maintain any af the cov�rages described abo�e, Lender may obtain insurance coverag�, a�Lender's ap�ion and Borrower's expense. Lender is under na obligation to purchase any par��cular t�pe or amount of cov�rage. Therefor�, su�h coverage sha�l co��r Lender, �ut m�ght or muight not prate�t Barrower, Borrower's equ�ty in�he Prflperty, or the conten�s af�he Proper�y, against any ris�, hazard or liab��ty ar�d • � - mi��t provid�grea�er or lesser coverage than was pre�iausly in effeet, B�rraw�r a�kx��wled��s��at th�co�� of the insurance coverage so abtained might significantly�xceed the c�st of�nsuran�e�hat Borrow�r cou�d have�btained. Any amoun�s disbursed by Lender under this Sec��n S sha��becom�additianal debt of Barrow�r s�cured by th�s SeCur�ty �ns�run�ent. These a.n�nun�s shal�bear interes�at the Note rate from the date Qf disbursement and shal�be payab�e, with�uch interes�, upon natice from L.�nder�o Barraw�r requesting payment. N�BRASKA-Single Farr�ily-�anni�Mael�reddi�Mac tJNI�ORM lNSTRUM�NT Fvrm 3�28 1141 VMP� VMPfi�NEy t13fl2f Walters Kluwer Financiaf 5er�i�es Page fi of 17