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��15�455� required by RESPA, and Borrower shall pa�ta Lender the amount nece5sa�to make up the defcienc�in accondaxace with RESPA, but in n�m�re than �2 m,onthly p�yment�. Upon payment in full of al�suntis secured�y this Securit�y Instrumrent, Lend�r sh�ll pmmpt�y refund to Borrawer any Funds h�ld hy Lend�r, 4. Charges; Liens. Barrower Sha.I�pay a11 taxes, assessments, charges, fines, and imp4siti�n�attril�utahle t� the Properi�which can att�in priority over this Security Instruxr�ent, leaseh�old pa.ymen�s or ground r+ents on the P�vperty, �f ariy, ar�d�ornmunity Assaciati�n]�ues, Fees, an�d Assessments, �f any. To the extent�at these items are Fs�row Items, Borrovver shall pay them in the manner pro�ided in Se�ion 3. B�rrower shall promptly di.scharge any lien which has priority o�er this Securi�y Instrument un�ess Borrower: �a}agr�es in writing t�the payment of the oh��gati�n secured�y th�lien�n a�xYarule�acceptabl� ta Ler�d�r, but only so long as Borrower is perfarnvng such agreement; �b}�ontests the l�en in good faith by, or defends against enfarcement of the lien in, legal proc��dings which in Lender's opinion operate tv pr�vent the enfor+cem,ent of the lien while those pro�e�edings are�nd�ng, but only until such proceedin�s are concluded; or�c�secures from the holder of�.ie lien an agreement sat�ii.s.factory to Lender subordinating the lien to ttus Securit�In�trum,ent. If Le�der determines that any part of the Praperty is su�bject to a�ien which can attain priority av�r th�s Security �n�t�urr�nt, L�nder ma.y give Barrawer a notice ider�tifying the Iien. �Vithin 1D days af the d�ate on wluch that notice is given, B�rrower shaii satisfy the lien�r tak�ar�vr mvre vf the�ct�vns set fo�th above in this Section 4. Lender rnay require Borrower to pay a�r�-time�harge for a reai estate tax�erification andlor repar�ing servic�used by Lender in connectian with�his Loan. �. Pnv pe�#y I nsu ra nce. ��rrvwer shall keep the improvements now existing or her+eafter erected on the Praperty insured against lass by fire, ha�a�rds inc�uded within the term"�xtended co��rage," and any other ha�ard5 including, but not linut�d t�, ear�hqua�es ar�d floads, f�r which I,ender requires insuran,ce. This insuraance shall he ma�nta.ined in the amoun�s�including dedu�t.ible��v��s}ar�far the periods that Lender requires. What Ler�der requires pursuant to the preceding sente�es can change during the term of the Laan. The insur�r�ce carrier providing the�nsuranc�5hall be chosen hy Bvrrower subje�t to Lender�s right to d isa.pprvve B orr�vver's�h�ice, which right 5ha�1 n�t he exercised unreasanably. Lender may requine Banower to pay, in cannection with this Loan, either: �a}a one time charge for flood z�n�deterrninat�on, ceraficatron and tracking serviees; or�}a one-tv.n�charge for fload zone deternunation and c�rd.fication services and su�sequer�charges each time remappings vr similar chang�s occur wh�ich reasvnably migh� affect such deternun�tivn or cer�i�'ication. Borrvwer shall a��r�sp�nsible for the pa.yment of any fees in�posed by the Federal En�rgency Nianagement Agency in connection w�th the review af any flaod zan� detenminati�n resulting from an abject�on by B�rrow�r. If Borr�wer fai�s to maint�n any of�he coverages des�ribed ah��e, Lend�r may obtain insurance co�erage, at Lende�'s�ption and Barrow�r's expense. Lender is under na o�ligatian to purchase any partic�ular type ar �mount�f c�vera.ge. Therefore, such c�verage shall c��er Lender, but might or might nat protect Borr�wer, Borrowe�'s equity in the Properiy, or the contents of the Property, against axxy risk, hazard or Iiabili�.y and might provide gre�ter or�esser cov�rage than was pre��us1y in effect. Barrovver acknowied�es tl�at the cos# of the insuran�e c�verage so obtained nugh�signif�cantly�xceed the cost of insurance that Borr�wer��u�d ha.�e otrtained. Any amount�di5�aursed by Le�der under this Se�ion 5 shall bec�me a�ditional debt af Borrower secured by th�s Se�urity Instrument. These amourrts sha��b�ar interest at�he Note rate frarn the date of d�isbursem�nt and shall be payable, wi�th such intenest, upon notice from Le�der t�Bvrrower r�ques�ing payment. ��8�� ❑VBNE N�RASKA-5��tgle Family-FannteMaelFreddie Mac IJNIF4RM INSTRIJMENT Form 3D�8 11a1 11MP� V MP6�NE)[�3U2] Wo�ters Kluwer Frnancral 5ervic�s P��$�fi��