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��15�3��1 <br /> r�qu�r�d b� RESPA, and Borrawer sha�i pay�o Lender th�amount nec�ssary to make up the de�c�enc� �n <br /> ac�ardance w�th R.ESPA, bu� in na mare than ��monthly payments. <br /> Upon payment in fu�� af a�I sums s�cured b� th�s S�Curity Instrument, L�nder shal� promptly refund to <br /> Borrower any Funds held by L�nder, <br /> 4. �harges; L�ens. Barrower shall pay all ta�es, assessments, charg�s, ��nes, and imp�sztions attributable to <br /> �he Property ulhi�h can atta�n priori�y o�er this Se�ur�ty �nstrument,`ieasehald payments or ground r�nts on � . _ <br /> the Property, if any, and �ommun��y Assoc�a��on Du�s, Fe��, and Ass��sments, if any. To the�xtent that <br /> th�se items are Escrow �t�ms, Borrower sha�i pay them in the manner provided in Se�tion 3. <br /> Barrower shall promptly discharge any li�n which has pr�ar��y over�h�s Security �nstrument unless <br /> Borrower: �a} agr�es in wr�t�ng to �he pa�men�of the obligatio�secured by the��en in a mar�ner ac�epta�le <br /> to Lend�r, but�nly so �ong as Borro�ver�s performing such agr�ement; �b} contest��he lien in good faith by, <br /> or defends aga�nst�nforcemer�t of�he Iien in, lega�praCeed�ngs which in Lender's apinion opera��to pre�ent <br /> th�enforcemen�of the lien while those pro����.�ngS are p�nd�ng, bu�an��until such pro�eedings ar� <br /> conclud��; �r��} secure� fr�m�he ho�der af�he iien an agr�emen� satisfactory to L�nder sub�rdinating the <br /> lien to this ���ur�ty �n�trumen�. �f Lender determines�hat any par�of the Property is subjec�to a��en�vhich <br /> �an atta�n pr��r�t�over�his Securi�� Instrument, Lender may g�ve Borrawer a notic��den��fy�ng�he lien. <br /> �i�hin 1�days af the dat�on wh�ch that noti�e �s gxven, Borr�wer shali satisfy the���n or take one or mare <br /> of�he actions set for�h abave in th�s Sec��on 4. <br /> Lender may requ�re Borrawer t�pay a ane-time charge far a real estate ta�ver�f�cat�an andlor r�par��ng <br /> s�rv�c�us�d by Lender in connection with this Loan. <br /> 5. Property Insurance. B�rrower shail k��p�he zrn�ro�emen�s n��u exist�ng or hereafter erec�ed�n�h� <br /> Praper�y insured aga�ns��ns�by f�re, hazards included wi�hin the�erm "�x�ended cov�rage," an�any ather <br /> hazards �nc�uding, bu�nat Ii�m�ted to, earthquakes and fl�ods, far wh�ch Lender requir�s �nsurance. Th�s <br /> xnsuran��sha��be maintained in the amounts �incl�.din�deduct�b�e�e�e�s} an�far�he peri�ds that Lender <br /> requires. What Lender requires pursuant to the precedzng sentences can�hange durxng the term of the Loan. <br /> T`he in�urance carrier pra�iding�h�insurance sha�l be chosen by Borrower sub�ec�to Lender's right t� <br /> disapprave Borrawer's choice, wh�ch r�gh�sha�l not be�xer�ised unreasonab�y. Lender may require <br /> Borr�wer to pay, �n cfln.nec�ion with�his Loan, ei�her: �a� a one-t�me charge for fload zone determina��on, <br /> cer��fica��an and tracking ser�ic�s; or�b} a ane-t�me charge f�r��oad zane de�erm�nation and cer�i�ca�ion <br /> serv�ces and subs�quent charges each�im�remappings or similar changes accur which reasonably migh� <br /> affect such determ�nat�on or cert�f�cat�on. Borrower shall alsa be respansi��e for�he payment�f any fees <br /> impo���by the F�dera� ��mergency Management Agency in Cnnnec�ion with�he r�vie�v of any f�ood zon� <br /> ��term�.nat�an resulting from an objection by Barrower. <br /> �f B�rr�vver fai�s to maintain an� of�he c��v�rages d�scribed above, Lender may obtain insurance ca�erage, <br /> a� Lend�r's optian and Borr�wer's expense. Lender is under no ob�iga�ion�o purchase any par�icu�ar type or <br /> amount of ca��rage. Theref�re, such co�erage sha�� co�er Lender, but might ar nught no�pra�ect Barr�w�r, <br /> Barr�wer's equ��y zn the Praper�y, or the contents of the Praper�y, a�a�nst any risk, hazard or��ab�l�ty and <br /> m�ght pro�ide greater ar lesser coverag�than was pre�riaus�y �n effec�. Barrower acknflwledges tha�the co�� <br /> af the insurance c�verage so obtaine�i might s�gn�f�cantl�exceed th�co�t�f�nsurax�ce that Borrower could <br /> hav�abtained. Any amounts d�sbursed b� Lender und�r th�s Secti�n 5 sha�� be�ome add��ional deb�of <br /> Borrower secured by th�s S�curity Instrumen�. Th�se am�unts sha��bear interes�at the N�te rate from�he <br /> da�e af d�sbursement an�i sha�l b�payable, wi�h �uCh interest, upan notice from Lender to Borrawer <br /> request�ng payment. <br /> N�BRASKA-5ingle Fami�y-Fannie MaelFreddi�Mac UNIFQRM INSTRLIMENT �arm 3p28 7lni <br /> VMP� VMP6�NEl 413�2y <br /> Wvlters Kluwer Financiat 5er�i�es Page 6�f 17 <br />