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2� 1 �� 1577 Borrower for the excess funds in acco�dance �u�th RESPA. �f the�e is a shor�age af Funds hefd in esc�ow, as defined under RESPA, Lender sha�! no�ify Borraw�r as requ�red by RESPA, and B�r�awer shall pay fio L�nde� the amount necessary �o ma�e up the shor�a�� En accordance wifh RESPA, but in no more than �� manthly paymen�s. If there �s a defiG�ency of Funds i�eld in escraw, as defined under RESPA, Lender sha11 nofiify Bor��wer as required by RESPA, an� Barrower shall pay to Lender the amount necessary to make up fihe defi�ien�y in accordance with RESpA, bu�in no mare than �� monthly payments. Upon payment in fu11 of all sums secur�d by this Se�uri�y lnstrument, Lender sha�! promptly refund to Borrow�r any Funds he�d by Lender. 4. Charges; Liens. Borrower shal� pay ail taxes, assessments, charg�s, fine�, and impos��ons a#tr�butable ta the Pr�perty whi�h can a�tain pr��r��y over �h�s Security lns�rumenfi, leasehold payments or grvund renfis on the F'raperty, if any, and Community Assoc�a�ion Dues, Fees, and Assessments, if any. To �h� extent that these it�ms ar� Escro`rv �tems, Bvrrawer shall pay them in �he manner pro��ded in Sect�on 3. 8flrrower shall prompt�y discharge any lien wh�ch has priority vver �his S�curity �ns�rument unl�ss Borrower: �a}agrees in wr�ting fio�he paymen��of�he flbl�gafion secu�ed by�he I�en in a manner accepta��e fio Lender, �ut only so Iong as Borrowe� �s per�arming such ag�eemenf; �b} cantests the lien in good faith by, or defends against enforcem�nt of the I�en in, �egal proceedings which in Lender's opinion operate �o pre��nfi�h� enforcement �f the lien while fhase pro�eed�ngs are pending, but only unt�i such proceedings are con�fud�d; or �c} secures f�vm �he hofder of the li�n an agreemen� sa�isfa�tory �o Lender subordinating the I�en �o th�s Securi�y lns�rumen�. �f Lender determines �ha� any parf of �he Proper�y is sub�e��ta a lien which can a�tain priorifiy o�er this Security lnstrumen�, Lender may giWe Borrower a no��ce identifying �he I�en. �ithin �n days of the dafie an wh�ch tha� na��ce is g��en, Borr�w��shail satisfy�he �ien ar take one or more of the actions se�forth aba�e in th�s Section 4. Lender may require Barrawer �a pay a one-t�me charge for a real estat� tax �er�fication andlor repor�ing serv�ce used by Lender in cvnn�c��on wi�h�his Loan. 5. Pr�perty �nsurance, Barrow�r sha�� keep th� imprvvements na�rv ex�s�ing ar hereafter erected on th� Proper�y insured agains� �oss �y fire, ha2a�ds in�luded vuithin fhe term "�xtended coverag�," and any oth�r hazards including, �ut not lim�ted ta, ear�hquake� and floods, for which Lender requires �nsuranc�. Th�s insuran�e shall be main�ained �n the amoun�s ��ncluding deductible �e��s} and far �he periods that Lender r�qu�res. W ha� L�nder requ�res pursuanfi to �he p��eding sentences can change du�ing the term of the Loan. The �nsurance carr�er prQ��d�ng �he insurance sha11 be chosen by Borrower su��ec��Q Lend�r's ri�ht to disapp��ve Borrower's�h��ce, wh�ch r�ght shall not be exercised unreas�nably. Lende� may require E�arrower to pay, in conn��ion w�th th�s Loan, �ither: �a} a on�wtime charge for f�ood zone de�ermination, cer�ificatian and tracking services; ar ��} a one-time cha�ge for flovd zone de�ermina��on and certificatinn services and subsequen� charges each time remappings or similar �hanges occur which reasonab�y migh� affect su�h determ�nation or certi�cation. Bo�rower �hal! alsa �e responsib�e for the paym�nt af any fees imposed hy the Federai Em��gency Managemen� Agen�y in connec�ion w��h the rev�ew of any f��od zone de�ermination resul��ng from an objec��on by Borrower. 1f Bo�rower fails �o main�ain any of �he co��rages described a�o�e, Lender may obta�n insuranc� co�erage, at Lender's aption and Borrower's expense. Lender �s under no obliga�ion ta pur�hase any par�icu�ar type or amoun� a� co�erage. Th��efnre, such ��era�e sha�( co�e� Lender, but might or might naf p�ote�t Borr�wer, Borrawer's equity �n the Property, or the contents of�he Property, against any r�sk, hazard or l�a�i�ity and m�gh� provide grea�e� or �esser co�erage �han was pre�iously in effect. Bvrrower acknawledges fhat �he cost of the �nsuran�e co�erage so obtained might significan��y exceed the cost of �nsuranc�tha� Borrower cauld have vbtained. Any amounfs d�sbursed by Lend�r under�his Sec�i�n 5 sha�l b�come addi�ianal debt of Borrower secured by th�s Security lns#rumen�. The�e amounts shall bear int�rest a� �he No�e rate from the dafi� of d�s�ursement and shall be paya�ie, with such interesfi, upan �r 3 ❑ ❑ ❑ 2 ? 5 4 D 8 � � M C M � R T D � T � NEBRASKA--Single Famil�---UNIFC]RM INSTRUMENT NiERS Acce�ture Mortgag�Gadence❑ocument Genter C�] Page 6 0�'i 5 37�3 oai�4