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2� 1 ��3135 required by RE5PA, and B�rroti�er shal� pay ta Le�der the amaun�necessar� ta make up the def�ciency in accordance w��h RESPA, but in no more�han ��monthly pa�rmen�s. Upon paymen�in full of al� sums secured by this Security�nstrument, Lender sha1�pramp�� refund tQ Borrawer any�unds he�d by Lender. 4. Gharges; Liens. BorrQwer sha��pay a�l taxes, a�sessments, charges, fnes, and impositi�ns a��ribu�a�ie to the Property which can atta�n pr��r��over th�s Securi�y�nstrumen�, �easehald payments or ground rents on the Property, if any, and Cammuni�y Assaciatian Dues, Fees, anC�A55�55III��1�5, if any. Ta t�ae ex�ent that these�t�ms are �scrow I��ms, B�rrower shall pay th�m�n the man.ner pravided in Sectian 3. BorrQVver shal�promp��y discharge any lien u�hich has pr�arity aver th�� Security Instrumen�un�ess Borrower: �a} agrees in writing ta the payment of�he ob��gaCion secured by the��en in a manner acceptable �a L�nder, bu� only so long a�Barrt�wer is performing such �.greement; �b} con�ests�he�ien in go�d faith b�, or defends against enforcement of the�ien �n, ��ga�prace�dings which in Lender's opinion operate t�prevent the enforc�ment of the��en whx�e �hase pr��eedings are pending, but nnly until such pro�eedings are conc�uded; ar�c} secures from�he ha�der�f�he��en an agreement satisfactory to Lender subordinat�ng�he �ien�o this Security Instrument. If Lender de��rm�nes that any part af the Proper�y is subje�t to a�xen wh��h �an attain priority o��r�his Security Ins�rument, Lend�r ma�give Borrawer a not�ce identifying the lien. Wi�hin ��day�flf the date on which that notice is g��ren, B�rrower sha�� sa�isfy th�l�en or take one ar nzore �f�he ac�z�ns set f�rth above in�his Section 4. Lender may r�quire Barrawer��pay a one--t�me charge for a rea� e��ate tax verificat�on andlar reporting serv��e used by Lender�n connec�ion with this Loan. 5. Property �nsu�rance. Borrower shall keep the impro��men�s now exis�ing ar her�after erected on the Proper�� insured against�oss�y fire, hazards inc�uded w��hin�he��rm "extended coverage,�' and any o�her hazards including, �ut na��xn.��ed t�, earth�uakes and f�a�ds, far wh�ch Lender requires insurance. Th�s insurance shal�be nzazn�ained �n the amounts �including dedu�t�b��e�rels} and for the per�tids that Lender requires. V�Yia�Lender requires pursuan� �o �he preceding sentences can change during the�erm af the L�an. The�nsurance�arrier pr��id�ng the insurance sha��b�chosen by Borrovver sub�ec�to Lender's righ�to dzsappra�e Barr�w�r'�choic�, wh�ch r�ght sha�.l na�be exercised unreasonab�y. Lender may requ�r� Barrower�fl pay, in cannec�xfln wzth th�s Loan, either: �a} a one-tim�charge for fload zane determxna��n, c�rtif�ca�ion and tra�king s�rv�ces; ar�b} a one-tim.e charge for flaod zan�determina��n and cer��f�ca��an serv�ces and subsequen�charges each time remappings or sirnilar changes occur wh�ch reasanably m�ght affec�such det�rminat�on or cert�fca�ion. Borrotiver shail alsa be respons�b�e for�h�paym�nt af any fee� im�pos�d by the Federal�mergency Management Agency i�cannect�on w��h th�re��ew af any f�ood z�ne determina�ian resu��ng fr�m an objection by Borrower. �f Borrower fai�s t��ma�nta�n any�f�he�overages d�scribed abo�e, Lender may�btain insurance��verage, at Lender's�p�ion and Borrower's expense. Lender is under no obl�gati�n to purchas�any particu�ar type ar a.mount�f Gtiv�rage. Therefare, such caverage sha1�cover Lender, but m��ht�r might n�t protec�Borrawer, Borr�wer'�equ��y in the Property, or�he cantents of the Pr�per��, against any risk, ha2ard or liabili�y and migh�pro�ide grea�er or lesser c�verage than was previously in eff�c�, Borrawer acknow�edges�hat�he cost af the insurance c�verage��btained migh�signif�cantly e�ceed�h�c�s�af�nsurance�hat Borrov�aer�ould ha�e ob�ained. Any amounts disbursed�ay L�nder under thi� SeCtion 5 sha1�become addi�i�nal debt of $orrawer se�ured by this Security Ins�rumen�. These amounts sha�I bear interest a�the Note ra�e fram the date of disbursement and sha�� be payabie, w�th such �n�erest, upon no�ice from Lender�❑Borro�uver reques�ing paymen�. NEBRASKA-Single�amily-Fannie Ma�IFreddie Ma�UNEF�RM iN5TRl1MENT Form 3D28 110i VMP g VMP64NE�t13D�� Watters K��wer�inancis!5er�ices Page fi af 17