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2� 1 �� 179 r�quir�d by RESPA, and Borrower shall pay to Lender�he amount ne�essar� to make up the d��c��nc� zn acc�rdance with RESPA, but in na mare than �2 mon�h�y payment�. Upan payment �n full of all sums secur�d by th�s 5ecur�ty �nstruxn�nt, Lender shall pr�mpt�y refund to B�rrow�r any Funds held by Lender. 4. Charges; Li�ns. Borrower shall pay all taxes, assessmen�s, charges, f�nes, an.d�mpos��ions attr�butab�e to the Property which can attain pr�ority over�his Securit� Instru�ment, �easeho�d paymen��or ground rents on the Proper�y, if any, and Communi�y Association Dues, Fees, and Assessment�, �f an�. To�he exten�tha� these items ar�Escr�w I�ems, Borr�wer shall pay them�n the manner pro�ided�n 5e��on 3. Borr�wer sha��pr�mptly discharge any ��en v�►�hich has pr�arity over this Security Ins�ru�rnent un�ess Borr�wer: �a} agree� in vvriting ta �h�payment�f the ab��gatzon s�Gured by the lierz in a mann�r acceptable to Lender, but anly so long as Barrower�s perf�rmzng such agreement; �b} c�n�e�ts th��ien in go�d faith by, or defends against enforcement of the�ien in, legal proceedings�vhzch zn Lender's op�n��n�pera�e�o preven� �he enfarcement af th��ien whil�thos�praceedings are pend�ng, but an�y un�� uch proc�ed�ngs ar� c�ncluded; �r�c} secures from the holder�f the l�en an agreement satisfactary to Lender subard�nating�he lien to this Securi�y�ns�rument. �f L�nder d�termines that any par�af�he Proper�y is sub�ect to a�ien wh�ch can attain prior�ty over th�s Secur��y �ns�rument, Lender may give Borraw�r a natice ident�fy�ng�he lien. W�th�n �4 days of th�da�e on wh�ch tha�not�ce �s given, Borrower sha�I satisf��he�ien or take ane or rnore of the ac�zons set forth a�a�e in�h�s Sect�on 4. Lender may require Barrower t�pay a one��ime charge for a rea� estat�ta�.ver��ca��on andlar report�ng service used by Lender in connectian wi�h this Laan. 5. Property Insurance. Barrower shat� k��p �h�impravem�nts now�xis��ng�r her�after erected an the Prt�per�y insur�d agaxns��oss by f�re, hazards in�iuded�i�hin�he t�rm "ext�nded coverage," and any ather hazards �nc�u�zng, but nat l�m�ted to, earthquak�s and flaads, for which Lender requir�s insuranc�, This �nsurance�ha�l be maintained in th�am�unts �znG�ud�ng�.eduGtxb�e levels} and for the peri�ds�hat Lender re�uire�. �hat Lender requires pur�uant to the preced�ng sen�ences Can change during the term af�he L�an. The�nsurance carrier pr��iding th� insuranc�shall be chfls�n by Bnrrower sub�e��t� L�nder's rx�ht ta disapprave Barrower's�ho�ce, which right shall not be exer�ised unr�asonab�y. Lender may requ�re Barrower to pay, in connection with this Loan, either: �a} a ane-ti�me charg�for f�ood zone deternlination, certifi�ati�n and tracking services; ar�b} a on�-�ime charge far fload zone determinatian and certificatian services and suhse�uent charges each�ime remappings or similar changes occur which reasona�ly might affect su�h de�erm�na�ion or cer��f�catian. Bnrrower sha�l a�so be responsib�e for the payment of any fees �mposed by the Federal Em.�rgency Management Agency �n cannec�ion with the revie�v of any flood zone de�ern�.�nat�on resu�ting from an ab�ect�on by Barrower. If Borrawer fails ta maintain any of the caverag�s described above, Lender may o�taxn �nsurance c��erage, at Lender's option and Barrower's expense. Lender is under na a�li�atian t�pur�hase any par�icu�ar�ype�r am�unt of co�erage. Therefore, such co�erage shall c�ver Lender, bu�might ar m�ight na�pratect Borrower, Borrower's equity �n the Property, or the contents of the Pr�per�y, agains�arzy risk, hazard ar liability and m��ht provide gr�ater or�esser c�vera�e than was prev��usly in effect. B�rrower acknowledges that the cost af th� �nsurance cov�rag�so ob�a�ned n�ght s��ni��cant�y exceed�he cost of insuran�e that Borrower cou�d ha�e obtained. Any amounts disbursed by Lender under th�s Sect�on 5 sha��become add��iona� de��of Barr�wer s�cur��by �his Security Instrumen�. These arnounts sha��ear�n�eres�a�th�Note rate fram th� date of disburs�m�nt and�ha�� be payabie, �ith such irzt�rest, upon nfltic�fram Lend�r ta B�rrower reques�ing paym�nt. N�BRASKA-Singl�Fami�y-Fannie Mael�r�ddie Mac llNlFqRM INSTRtJM�NT Fnrm 3028'�1�� VMP� VMPfi{N��4130�) Wo�ters Kluw�r�inar��iai S�r�ic�s Page E vf 17