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��15��7�� r�qu�red by RESPA, and Borrower shal� pay to L�nder�h� amoun�n�cessary to make up �he de��c�ency �n ac�ordan�e w�th RESPA, but in no mare t��an �2 rnonthiy paym�n�s. Upan payment in fu11 of ail sums secured by�his Securi�y Instrument, Lender shall pramptly refund t� Borrower any Funds held by Lender. 4. �h�arges; Liens. B�rr�w�r sha�l pay all taxes, assessmen�s, charges, fin�s, and �mp�si��ons a�tributable to the Proper�y v�h�ch can atta�n pr�or�ty a�er�his �e��r��y �nstrument, Ieasehn�d paymen�s or gr�un� r�n�s on,� the Praper�y, if any, and�ammun�ty AssQciation I]ues, Fees, and As�essments, if an�. To�he extent�hat thes�items are Escrow It�ms, B�rrower sha�l pa� them in the rnanner pra�ided in S�ction 3. Borrow�r�hall pr�rnpt�y d�scharge an� lien wh�ch has pr�flr�ty aver this Securit� Ins�rum�n�unl�s� Barrov�er: �a} agrees in wri�ing t��he paym�n�af the��zga��on secur�d by th��n�n a manner ac�ep�able to L�nder, but�n�y so lang as Borrawer is perforrning such agre��ment; �b}contes�s th��ien in g�ad faith by, or defends aga�nst�nforcement of the Iien in, lega�praceedings which in Lender's apini�n ap�ra�e to prevent the enforcemen�of�he��en wh��e�hose pr�ceedings are pending, bu�only until such proc��dings are concluded; or�c} secures from�he holder af�he��en an agreement satisfacto�-�r to Lender subord�nating the I��n t� this Se�uri�y Ins�rument. �f L�nder determines tha�any part of th�Propert�r is sub�ect to a��en vvhich �an a��ain pr�or�ty aver th�s SeGurity Instrumen�, Lender may giv�Borrow�r a na�ic�identifying the Iien. �"��hin 1 D day�of�he dat�an�h�ch that na�ice��g�v�n, Borra�v�r shall sa�isfy the lien or take one ar m�re af the actions set far�h a�o�e �n�h�� Sect�on 4. L�nder may require Borr��er�o pay a�ne-�ime charge far a rea�estate tax verificat��n andlor repor��ng s�rv�ce used by Lender�n connection with this Laar�. 5. Property lnsurance. Barrower sha11 keep the�m�rovements now existing or hereafter ere��ed on�he Property insured again�t �oss by �re, ha.2ards �ncluded w��h�n the term "ex�ended cQverage," and any other hazard� including, bu�na�Iim�ted tfl, �ar�hquak�s and �oads, �or wh�ch Lender requ�r�s insurance. Th�s insuran�e sha�l b�maintained in the amounts �in�lu�ing deductib��l��e�s} and for the periods�hat Lender r��uires. '�hat Lender r�quires pursuant t� the pr��eding sent�n�es can�hange durin� th�term of�he Laan. The insurance carrier pro�id�ng �he�nsurance sha��be chasen by Borrower sub�ect to L�nder's right ta disapprave Borraw�r's chaice, whzch r�ght shal� not be exerczs�d unreasonab�y. Lender n�aay requ�re Borrower to pay, in cannection with this Loan, either: �a} a�ne-ti�ne charge for fl�od zone deter�minat�on, cert��cation and tracking s�r�ices; or�b} a one�time charge for flaod zone determination and cer�ificatian ser��ces and subsequen�charg�s each time remappings or similar changes occur which reasanab�y might aff�ct such d�term�nat�an ar certification. Borrower shall alsa be responsible for the pa�rmen�of any fees imposed by the Federal �mergency Managem�n� Agency in connec�ion with the revxew af any�1ond zone ��t�rminati�n resu��ing from an abj ection by Barrower. �f Borrower fai�s to ma�nta�n any af�he��erages descr�be�above, Lender may obtain insurance caverage, at Lend�r's op�ion and Barro�er's expense. Lender is under no ob�igati�n�o purchase an�par�icular type or amaunt of co�erage. Ther�fore, such coverag�shai� cover Lender, but might ar m�ght no�pro�e�t Borrower, Barro�v�r`�equity in th� Pr�per��r, or�he conten�s af th� Prop�r�y, aga�nst an�r r�sk, hazard or��ab��ty and mxgh�pr�vide grea�er or i�s�er coverage�han�vas pr�v�ausl� in effect. Borr�wer ackn��v�edges that the cost of�h�insuran�e ca�erage so�b�ained might s�gn�f��ant�y ex�eed the c�s�of insurance tha�B�rrow�r cauld ha�e obtained. Any amounts d�sbursed by L�nder under�h�s S��tion 5 sha��be�orne add��ona� debt of Borr�wer secured by this Security �n��rumen�. These amounts sha�l bear interes�a�the Nate rate fr�n1 the da�e�f disbursement and shal�be payab�e, wi�h such interest, upan not�ce from L�nder to B�rrawer reques�ing payment. NEBRASKA-5ingle Famiiy-�annie MaelFreddie Mac UNIFDRM INSTRLiM�NT �orm 3D28"i1�1 VMP[� VMPfitNEy tl�02� Wviters�41�wer Financial 5er�ices Page 5 af 17