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��l 5��41 3 requ�red by RESPA, and Ba�rraw�r sha��pay �o Lender the arnount neces�ary to make up�he def�c�ency in acc�rdance with�E�PA, but�n na more than I Z monthly payments. IJpon payment i�full of aIi sums secured by th�s Securit�r In�trument, Lender shall pramptl�refund ta Barrflv�er any Funds hel�by Lendex. 4. Charges; Li�ns. Barrower shaii pay all taxes, assessrnents, charge�, fines, and impo�i�ions at�r��utable to the Pi�ap�rty whi�h can atta�n priority over�his S�curity�ns�rument, leasehol�.payments�r gr�und r�nts an �he Praper�y, if any, and C�mmunity AssQc�a�ion I]ues, F�es, and A�sessments, �f any. T�the exten�tha� these�tems are Escrow I�ems, Borrovver shall pay th�m in the mann�r prav�ded�n Section 3. Sarrower shal�prompt��d�scharge any�ien which has pr�or�ty over�h�s Security Ins�rument unless Borro�e�: �a}agrees in u�r�tzng to the payment of the��l�gatzon s�cured b�the lt�n zn a mar�ner acc�ptahie ta L�nder, but anly sa long as B�rrov�er is�erform�ng such agreem�n�; �b�contests�he��en�n good faith by, ar defends against enfar�ement�f th�I�en in, �ega�praceedings wh�ch in Lend�r's apinzon operate�a pr�ven� the enfarcement af the lien while those proceedings are�ending, but on�y un�il such proceedings are cancluded; �r�C}��cures from the ho�d�r af�he lien an agreement satisfactary�o Lender subardinat�ng th� lien to this Secux�ty�nstrumen.�. If Lend�r dete�mi.nes tha�any par�af the Propert�is su�ject�a a�ien which can attain priority aver this Securit�Instrument, Lender ma�gi�e B�rrou�er a n�t�ce�dentxfying the�ien. '�Vith�n �4 days of th��a�e an wh�ch that nat�ce is g��en, Borrow�r shall satisfy th�I i�n ar take a�ze a�more of the act�Qns set forth above�n this S�c�ion 4. L�nd�r may re�u�re B�rro��re�r�o pa�a an�-time charge for�.real esta�e�ax verification andlar repar��ng service used i�y Lend�r in cannection��ith th�s L�an. 5. Property I nsurance. Borrawer shali keep the zxnpro�ement�naw ex�s��ng or hereaf�er erected on the Propert�insured against loss by f�re, hazard�in�lude�l vU��h�n�he term "extended ca�erage," and any other hazards inc�udin�, but not X�m��ed ta, earthquakes ar�d�oods, for which Lender r�quires insurance. This insurance sha��be rna�nta�ned in�he amounts �inc�udzng deductible 1ev�ls}an�for th�p�r�ods that Ler�der r�quires. VVhat Lend�r requires pursuar�t to the pr��eding�en�ences can change dur�ng th�term of�he L�an. The insu�ance carrier providir�g th� �nsurance sha�i be ch�sen by Borrower su�j�c��a L�nder's righ�to d�sappra��Borrower's cho�ce, wh�ch r�gh�shali not be e�ercised unreasonably. Lender may r�qu�re Barrower t�pay, �n c�nnec��an with this Loan, either: (a}a one-�ime charge far f�nad z�n�de�ermination, cer�iticatian and�racking ser�ices; or�b�a an��time�harge for flaod zone determ�.nat�an and c�r�if�cation servi�es and subsequent charg�s �ach t�me remapp�ngs or sirnilar changes occur whzch reasanably might affect such determina�ian or cer�ification. B�rrov�rer shall also b�respons�ble for the paym�n�of any fees �xnposed by�he F�ciera� Emergency Management Ag�ncy in connectian with th�r�vi�vv❑f any flaod z�n� de�erminati�n resul�ing fr�m an obj e��ion by Barrower. If Borrower fails tQ rnaintain ar�y of the caverag�s desc�i�ed aba��, L�nder may flb�a�n znsurance covera��, a�Lender`s optian and Borrower's�xpense. Lender�s und�r na obliga�ian to purchase any par�icular type ar amount�f co�erag�, Th�refore, such cflverage sha�l�over Lender, but migh�or m��ht nat protect Borrower, Borro�er'�equi��in the Proper�y, ar the contents af xhe Propert�, against any risk,hazard or liabi�zty and migh�provide greater or�esser�o��rage than was pre�vzflus�y�n effect. Barrower ac�ow�edges�hat the c�st of the�nsurance coverage so obtained m�ght s�gn�ficantly e�ceed the cost of insurance that Boz�o�ver c�u�d have ob�a�ned. An�r amounts d�s�ursed by L�nder under this Sec�ion 5 sha�l�ecorne add�tional debt af Borr�wer secured by�h�s Securit��nstrument. These amaunts sha�� bear interest a��he Note ra�e from the da�e of dis�ursemen�and�hall be pa�able, with�uch interest, upon nQ�ice from L�nd�r to Ba�r�we� reques�in�payment. NEBRAS}CA-Single Family-Fa�nie MaelFreddie Mac U(Vl�aRM INSTRUMENT Farrn 3�28 11q 1 VMP Q VM�f(NE�t130Z) Walter�Kluwer Financial 5er�ices Page 6 of 17