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��15�5D73 r��u�red b�R.ESPA, and B�rrawer shall pay ta Lender the amflun�n��essary to make up the d�ficzency in accordan�e vv�th RESPA, but in n�m�re�han 12 man�hly payments. Upan payment �n full of all sums secured by this Securi�y Ins�rument, Lender shall promp�l�refund to Borrower ax�.y Funds held by Lender. 4. Charges, Liens. B�rrawer shall pay aIl tax�s, as�es�ments, charges, Fines, and impasiti�ns at�r��butab�e ta �h�Pr�per�y whzch can atta�n pr�or�ty�ver this Se�urity Instrument, �easehald payme�ts flr ground rents on the Prap�rty, if any, and�ommun��y Assaciatz�t�Du�s, F��s, and Asses�m.e�x�s, �f any. To�h�ex��n�tha� these items are Es�rfl�v �tems, Barr�wer sha��pa�th�m in the mann�r prov�ded in�ec��on 3. Bor�ro�er sha�l prvmpt�y d�scharge any��en which has pr�orz�y ower t�a�s Securi�y�nstrument unl�ss Barrawer: �a� agre�s in wri��ng to�h�payment flf�he obl��at�on s�cured by the Z�en in a manner ac��ptabie to Lender, but anly so�ong a� Barro�er is perfarrn�ng su�h agreemen�; �b}contest� the lien in g�od fa�th by, or defends aga�nst enf�rcem�rit of the l��n in, ��gal prnce�dings which in Lender's apinian o�erate��prevent the enforcement of the lien vvhi�e thos�proGeedings are pending, but�n�y until such pra�eedings ar� concluded; or�c} secures fram th�h��der nf the li�n an agreemen�sat�sfactory to Lender subordina�ing the lien t�this��urity �ns�rument. �f Lender determines that an�r part af�h�Proper�y �s subject t�a�ien which can a�tain prior��y aver this Security�nstrument, Lender ma�gzve Borrfl�ver a nflt�ce�d�ntifying the l��n. �i�hin �a days of�he da�e on which�hat nQtic�zs gzven, Borrov�er shall satisfy t�ae lien ar take one or more of the a��ans�et for�h ab�ve in this S�ction 4. Lender may requxre Bflrrower t��ay a one--tirne�harge for a real�s�ate tax v�rif��atitin ar�t�lar rep�rt�ng s�rv�ce used by Lender�n cannec��an v�i�h this L�an. 5. Prvperty Insu�ance. Barrower sha��ke�p�he impravements now existzng or hereaf�er erect�d on th� Proper�y insur�d agains�lass by fzr�, hazards incxuded�v�th�n the term"ex�ended caverage," and arz�a�her hazards ineludxng, but�o��imited to, earthquakes and#��.aods, f�r which Lender requires insuran�e, Th�s znsurance shall be maxnta�ned in the amaunts��nc�uding deductibl�Ievels�and far the per�od��hat Lender ��quire�. ��a��en�.�r�equ�r��pur�ua�t to the pr��e�ing�entenGe��a�.change�dur�ng t�a��ez�af t�ie Laar�. T`he insurance carri�r pra�iding the in�urance shal�be chosen by Barrawer subje�t ta L�nder's right�o d�sapprove Barrower's choice, which right sha��not be exercised unreasonably. Lender ma�require Borrower ta pay, in conne�tion wi�h this Loan, either: �a}a one�tirne charge f�r flood 2one determ�nation, c�r�ifica�itin and t�rackxn�serv�ces; or�b} a onewtime charge for fl�od zon�determination and cer�ificat�on serv�c�s and subsequent eharges each txme remapp�ngs�r sirn��ar changes occur wh�ch reas�nably xnight a.fF�ct su�h d��erminat�an or�ert�ficat��n. Borx�tiver shal�a�so be r�spansi�l�for the pa�ment of any fe�s �rnposed by th� F�deral Emergenc�Mar�ag�ment Agency in cQnne�tion vvi�h the re�iew of any��od zone determina�ion resu�ting from an obj�ctian by Borrawer. �f Borrower fail�to ma�n�a�n any of the coverages described aba�e, Lender rnay obtain insurance co�erage, at L�nder's op�io�and Borrovver'��xp�nse. Lender�s under no ob��ga��on to purchase any par�i�ular t�pe ar amount flf c�verag�. Therefor�, su�h ca�erage sha��cover Lender, but xni�ht or mi�ht not pro�ec�Barrawer, Barrower's equ�t�r in�he Proper�y, �r�he contents af�he P�ro�erty, against an�risk, hazard or�iab��t�and mzgh�provide greater�r�esser cavera�e than was pre��ously �n eff�ct. Barrower acknawledges�hat the c�s� of the insuranc�coverage so�b�ained might sigr�ificantly ex�eed�he cost of znsuranc��ha�Barrower cou�d ha��obtained. Any amaunts d�sbursed by Lender und�r this Section S sha��bec�m�addit�ana�debt of Borrotiver secured by th�s Secur�t� �nstrumer�t. These arnount�sha�Z bear�nterest at the Note rat�from the da�e❑f disburserx�en�and shal�be payab�e, with such�n��rest, upon nat�ce fram Lender ta Borrower request�ng payment. N�BRASKA-Singte Family-Fannie Mael�reddie Mac IJNfFQRM INSTRUM�NT Farm 3D28 1101 VMP�a] VMP�{N�}(�302J Wolters Ktuwer�inancial Ser�ices Page S o�'I 7'