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2� 1 �� 1 required by RESPA, and Borrower shalt pay to Lender�he amount necessary�a make up the deficiency �n ac�ardanCe�v�th RESPA, bu� �n no mar�than �2 month�y payments. Upon payment in fu11 of all sums secured�y this �ecur�ty �nstrument, Lender sha��prflmpt�y refund to Borr�wer any Funds held by Lender. 4. �harges; L�ens. Barr�wer shall pay all taxes, assessm�nts, charges, fines, and impasi�ions a�tributab�e to th�Proper�y vvh�ch can a��a�n priori�y ov�r�his Security �nstrum�n�, leasehold payments or graund rents on th�Proper�y, if any, and�omr�.un�ty Association Dues, Fees, and Assessments, if any. To �he exten�that these items are Escrou� �t�ms, B�rr�v��r sha�l pay them in th�manner prov�de�in Se�tion 3. B�rrower sha��pr�mptly discharge an� i�en u�h�ch has pr�ority oWer this Se�ur��y �ns�rumen�unless Borr�wer: �a}agr�es in writing to the paymen�of the abligation�ecured by the I��n zn a manner a��eptable �o L�nder, but oniy sa iang a� B�rrower�s perforrning such agreement; �b}contests�he��en�n gond faith b�, or d�fends aga�nst enf�rcem�nt af th�Iien�n, �ega�proce�dings which in Lender's apinion operate to prev�nt �he enforcem�ent af the�xen wh�l�those praceedings are p�nd�ng, but only unti� such proceedings are canciuded; or�c} secur�s fram the hn�der of the li�n a.n agreemen�satisfactory ta Lender subardinating the lien�a this Security�nstrunzent. �f L�nder determ�nes�hat any part of the Praper�y.is su�je�t t� a lien which can at�a�n pr�ori��aver this Securi�y �nstrument, Lender may g�ve Btirrflwer a natiCe identifying�he Iien. �Vithin ��days af�he date on which that no��ce�s given, Borrower sha�� sat�sfy the�ien or�ak�one or mor� of the actions s��far�h above in�his Se��ion 4. L�nder may require B�rr�w�r�a pay a one-t�me charge for a r�a� �state tax Werification andlor rep�r��ng s�rv�ce used by Lender�n cnnnecti�n with th�s L�an, 5. P�rvpe�ty �nsurance. Barrov�er shall ke�p the improvements n�w existing�r hereafter ere��d on the Property �nsured aga�ns��flss by�re, hazards inc�uded�ithin the�erm "�x�ended c�verage," and any other hazards inc�uding, but nnt��rn�ted�o, ear�hquakes and floads, for whzch Lender re�uires insuranc�. This insura�ce sha�l b�maintained in the amounts �inciuding deductible leve�s} and for�he periods�hat Lender requires. �ha� L�n�er requires pursuant t�the preceding sentences can chang�dur�ng the term nf the Loan. The insurance carrier pro�iding�he�nsurance shal� be chosen by Borrotiver subjec�to Lend�r'�r�gh�to d�sappro�e Barr�w�r'��haic�, which right sha�� not be��ercised unreasonabiy. Lender may requ�re Bnrrawer�n pay, in cannection wi�h thzs L�an, exther: �a} a one-time charge for flaod zone determ�nat�an, cer��f�cat�on and track�ng s�rvzces; or�b} a one-��me charge for flood zone determ�na�ian and cer�ificat�an serv��es and subsequ�nt charges each tim�remappings or s�m��ar changes occur�vhich reasanably m�ght affect such determina��on or cer��catz�n. Borrawer shall a�so be re�ponsib�e for the payment of an� fees impased by the Federa� Emergency Managemen�Agen�y in connectzon wi�h�he re�iew of any flood zone deterrnination resu��ing from an�b�ect�on�y B�rrow�r. �f Borrow�r fails to maintain any of the c�verages describ�d abave, Lender may abtain insurance cov�rag�, at Lender's npti�n and Borrower's expense. Lender�s under na obligati�n�a purchase any par�icu�ar type or amount�f caverage. Therefor�, such co�erage sha�� caver Lender, bu�might or might na�pratect Borrower, Borrawer's equ�ty �n�h�Proper�y, or�h�Gontents�f th�Praperty, agains�any risk, hazard or Iiabilit� and might pro�ide gr�ater ar le�ser�average than vvas previous�� n effect. Borrower acknowledg�s that the cast of�he insurance coverage so ob�ained m�.�h�sign�ficantly exceed the�os�of insuran�e�hat Borrower could have obtained. Any amounts disbursed by L�nder un�er�h�s 5e��i�n 5 sha��become addi�xana� debt of Borr�wer seCured by�his Security Instrum.en�. These amaunts sha11 bear interes�at the No�e rate from.the date�f d�sbursem�nt and shai��e payable, with such�nteres�, upon no�ice fram L�nder to Borrower request�ng payment. N��RASKA-Singfe�amily-Fannie Ma�IFreddi�Mac UNI�ORM INSTRUMENT Form 3028�IQ7 VMP� VMP6�N�}t�302y Wc�lt�rs Kluwer Financial 5er�ices Page 5❑f 17