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��15�5411 r�quired by RESPA, an��3orr�wer shali pay ta Lender�he amoun�necessar�to make up th�defi�iency in accordance w�th RESPA, but in nn mare than ��month�y payments. L�pan pa�ment�n fu�l Qf a�� sums s�cured by this Secur�ty�nstrument, Lender shall pramptiy refund to Barrowe�any Fuzads he�d by Lender. 4. �harges, Liens. Borrovver sha�I pay al��axes, a�sessm�nts, charges, fines, and �mpos�tions attributab�e ta the Property which can attain priarity flver�h�s Se�urity Instrumen�, l�asehoid paymen�s or�raun�i r�nts on the Pr�per�y, �f an�, and�omrnunity Assacia�ion Due�, Fe�s, and Assessments, if any. T�the extent�hat �hese�tems are Es�row�tems, Borrower shali pay�hem�n�he mann�r pr��ided in Sec�i�n 3. Borrower sha11 promptly discharge a.n��en whiGh has pr�arity over�h�s Securzty rns�rumen�unless B�rrawer: �a}agree�in�vriting�a the paymen�of�h�o�ligati�n��cured by�he�i�n in a manner acc��table to Lender, but anly so Iong as Borrower is performing such agreem�nt; �b} cantests�h�lien�n good fa�th by, or def�nds aga�ns�enf�rcemen��f th��ien in, �e�ai prflceed�n�s wh��h�n Lender's apinion operate��prev�nt the enfor�ement vf�he Iien whx�e those proceedings are pending, bu�anly unt�l�uch p�ro�eedings ar� concluded; �r��}secures fr�m�he ho�der of the lien an agreemen�sa�isfactary�o Lender subordinat�ng th� �ien�o th�s Securi�y�ns�rument. If L�nder determin�s�hat any par�af the Property�s subject ta a��en wh�ch can atta�n priarity o��r�h�s S�curity Instrumen�, Lender may giv�Barrou��r a nntice�d�n�ifyin�the��n. �V�th�n IO days of the date on v�hich that notice z�given., Ba�rawe�sha��sa��sfy the lien or take one or more of the acti�ns se�for�h ab��e in this S�ction 4. Lender may require Borrow�r to pay a one-t�me charge for a real esta�e tax�erificat�on ar�dlor rep�rt�ng service used by Lender�n�annection with this Loan. 5. Proper#y �nsurance. Borrow�r sha�l ke�p the impro�ernents now�xi�ting or hereaft�r ere�ted�n the Proper�y f nsured agains�loss�y�re, hazards included�vithin the�erm "exten�ed�average," an�l ar��ther hazards including,but n�t�imi��d�a, earth�ual��s and fla�ds, far which Lender requires insu�ran��. This insurance shal�be ma�nta�ned in th�amaunts �in�lu�i�n�dedu�tible Ie�e1s} and for the perio�.s tha�Lende�r requires. �Vhat Lender re�u�res pursuant to the p�reced�n.g sentenc�s can change during th�term of�he Laan. The insuranc�carrier prov�ding the insurance shall be chasen by Barrower sub�e�;�ta Lender's righ��a disappr�ve Borrower's chaicey which r�ght sha�l not be�xerci�ed unreasonab�y. Lender ma�require Borr�vv�r to pay, in�annection w��h this Loan, e�ther: �a}a one-�ime charg�for flood zane deternllnat�an, cer�x�catinn and tra�king ser�ic�s; ar�b}a one-time charge f�r flaod 2one det�rmination and c�rtxfiCa��an services and subsequent charg�s�ach time remapp�ngs or s�mz�ar change�occur wh�eh reasanably might affec�such determination ar certzf��a�ion. Borrower shall al�o be responsible for th�payment of any fe�s zmpased by�he Fed�ral Em.ergenc�r Manag�ment Agency in conn��tion w�th the r�vi�v�r of any flood zone d��ez•minat�fln resu�tin�frarn an objec��on by Borrower. �f Borrower faz�s to ma�n�ain an��f�he covera�es des�r�bed aba�e, Lender may ab�ain insurance�o�e�age, at Lender's option and Barrov�rer's expense. Lender is under na flbl�gatzon ta purchase any particular type or arnaun�of�o��rag�. Therefore, such Gaverage sha�1 cfl�er Lender, but mi�ht ar mi�ht not prate��Barrawer, Barrov�e�'s equity in the Praperty, or the�nntents of�he Property, aga�nst any risk, hazard ar�iabi��y ar�d might prow�de gr�ater or le�ser�a�erage than v�as prev�ous�y �n�ffect. Borr�wer acknowiedges tha��he cnst af the insurance c�verage�o abta�ned might significan��y exc�ed the cost of�nsurance that Borrower could ha�e obtained. Any amounts disbursed by Lender under this 5ect'ran S sha�l�ec�me addi�iona�debt af Borrov�er secured by this Security Instrument. These am�unts shali bear inttrest at th�Note ra�e fram the date of disbursement and shall be�ayab�e, with such�nt�res�, upon not�ce from Lender to Borrower request�ng pa�m�nt. NEBRASKA-Single Farr�iiy-�annie MaelFreddi�Mac IINfFDRM INSTRUMENT �arm 3D28�ID� VMP J VMPS�NE�41302� WofEers K�uwer Financia!Ser�ices Page fi o€7 7