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2� 1 �� 1 �74 r�qu�red by RESPA, and Barrawer sha��pay ta Lender�he arnount necessary to make up�he de�ciency in acc�rdance w�th RESPA, �ut in no more than �2 mflnth�y payments. Upon payment in fu�l nf al1 sums seGured by th�s Secur�ty�nstrument, L�nder shali pr�mpt�y r�fund to Barrower any Funds h�Id by Lender. 4. Char��s; Liens. Barro�nrer sha��pay ali taxes, assessm.ents, charges, f�nes, and�mpaszt�ans attributable ta the Praperty v�h�ch can a��a�n pr��r�ty ov�r this Se�urit� Ins�ruments leas�hald payments or ground rents on the Praperty, if any, and�ammunity Ass��ation Du�s, Fees, an�i A��essments, if any. To the ex�ent tha� �hese items are Escrow I�ems, Borrower shal�pay them�n�he mann�r pro�id�d�n S�cti�n 3. Borrawer sha�l prompt�y d�sGharge any iz�n w��ch has pr�ar�ty over�hzs Securi�y�nstrumen�unless Borrower: �a} agr�e��n wr�t�ng t� �he payment of th�obligatian secur�d by the��en in a manner aCCeptable ta Lender, bu�an�y�a lang as B�rrower�s p�rf�rming such agreement; �b}c�ntests�he Ii�n in good fai�h by, or defends agains�enforcement of�he l�en�n, �ega�praceedings wh��h zn L�nder's op�nian opera�e�o prevent the enforcement�f the 1�en while those praceed�ngs ar�pending, bu�on��un�x� such proc��d�ngs ar� conc�uded; or�c� secures frorr�th�holder of�he lien an agreement satisfactory�o Lender su�ordinat�ng th� �ien to�h�s Se�urity �nstrument. �f L�nder d�termine�that any par�of the Proper�y is subjec��a a�zen whi�h can attain priar�ty a�er thzs Se�ur��y �nstrument, Lender may give Barrawer a nat�ce identifying the�ien. �ithin �a days�f th�date on wh�ch �ha�natice is given, Borro�ver shal� satisfy�he�ien or take one�r m�r� of the a�tions �et farth abfl�e in this Sec��on 4. Lender may require Bnrrower�o pay a aneWtime c�arge far a rea� esta�e�ax verification andlor repar�ing s�rvice used�y Lender in cannectian with this Lfoan. 5. Prop�rty Insurance, Borra�ver sha��keep�he�mpro�ements n�w exis�ing or her�af�er er��te�on the Praperty insured again�t�ass by f�re, hazards �nc�uded w�thin the�erm "ex�ended�overage," and any ath�r hazards including, but n�t�imited to, ear�hquak�s and ��.�ods, fQr�vh�ch Lender re�u�res �nsuranc�. This �nsurance shal�be main�ained in th�amoun�s �inciuding deductib�e�eve�s} and far the periods that Lender requires, �Vha� Lender requires pursuan�to�he preceding sentences can change during th�term�f the L�an. The insurance carr�er pro��d�ng the insurance sha��be chosen by Borraw�r sub�e�t to Lender'� right to disappr��Borr�v�er's�hoice, wh�ch right sha��no�be exercis�d unreasonably. Lender may require Borrower to pay, in conne��ion with�his Loan, either: �a} a one-time charge f�r fl�od zone determina�ion, cer�if�cation and�racking serv�ce�; ar�b� a one-��me charge fQr f�ood zone determinat�on and cer�ification serv�ces and subse�uen�charge��ach time remappings or s�m��ar chan��s o�cur which reasonab��m�ght affect such d�termi.nat�on ar cer��f�cation. Barr�wer shall alS�be responsible f�r the paymen�of any fees imposed by the Federal �mergenc�r Management Agen�y in cflnnec�ian with th�revi�u�nf any fload zone determination resu�t�ng fram an objection by Borrower. �f Barr�wer fails to maintain any of the co�erages descrzbed a�ave, Lender may�btazn�nsurance c�v�rage, at Lender's option and Btirr�wer's expens�. Lender�s under no ab�igat��n�a purchas�any par��cular�ype or amoun�of coverage. Therefare, such�overag�shall cov�r L�nder, but might ar might not pro�ec�Borr�wer, Borrower's equity �n the Proper�y, or�he canten�� f�h�Pr�p�rty, aga�n�t any risk, hazar�ar�iabili�y and m�gh�pravide greater ar lesser c�verage than was pre��nus�y �n effect. Borr��v�r acknaw�edges�hat th�c�st of the insuran�e coverag�so obtained migh� signi�cant�y exc�ed th�co�t�f�nsurance that Barrower��uld ha�e abtained. Any amaunts d�sbursed by Lender under th�s Section 5 shall become additiona� deb��f Borravver secured�y th�s SeGur�ty�nstrum�nt. These amounts �hal�bear�nter�st a��he Note rate from the �a�e of disburs�ment and sha�l be payab�e, w�th such inter�st, up�n no�iCe from Lend�r t� Borrawer r�quest�ng payment. NEgRASKA-Single Family-�anni�Ma�IFreddi�MaG UNiFQRM�NSTRUM�NT �orm 3028 110� VMP� VMRfi{NE)t13a2f Wvlters Kluwer Financia!5�r�ices Pag�fi af'!7