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2� 1 ��358� required by RESPA, and Bo�rower shall pay to Lender�he amount neces�ary ta mak�u� th�defic��ncy in accordance w��h RESPA, bu� in no more than ��m�nthiy payments. L�p�n paym.�nt in full of a�� sums secured�y�h�s Securitx�n.strum�nt, Lender sha��promptly refund to Barrawer an�r Funds held by Lend�r. 4. �har�es, Li�ns. B�rrou�er shall pay all ta�es, as�essments, �harges, �nes, and zmpos�t�ons a��r�butab�e�o the Propert.y wh��h can atta�n pri�ri�y o�v�r this Se�ur�ty �nstrument, leas�hald paym.�nts or ground r�n�s on the Proper�y, if any, ar�d �ommuni�y Associa�ian Dues, Fees, and Assessm�n�s, zf ata.y. To the extent that �hese items are Escrovv �tems, Borrfl�er shall pay th�m�n�he mann�r pr�v�ded in Section 3. Borrovv�e�shall promptly discharg�any��en u�h�ch has pr�or��y over this S��urity�nstrument unless Borrower: �a} agrees in writing ta the payment of�he ob��gat�on secur�d by the l�en in a manner accep�able to L�nder, bu�on�y so�flng as Borrawer�s perform�ng such agreem�n�; �b} contests the li�n in gaod fa��h by, ar def�nds again�t enforcement of the lien xn, �egal procee�.ings �vhich�n Lender's opinion�pera�e�o pre�ent the enfarcement of the��en while�hose proceed�ngs ar�perzding, bu�anl�unt�� such prflceedzngs are concluded; or�c} s��ur�s from the holder�f th��z�n an agreement sa�isfac�ary�o Lender subord�nat�ng the lien to�his S�curx�y Instrument. �f Lender determine� that ar�y part�f the Property �s subject to a li�n which can a�tain prior�ty av�r�hzs Security�nstrument, Le�der may gz�e B�rrower a notzce id�n��fyzng �he li�n. ,S7U'ithin 1�days af the date an whiCh�hat notice is g��en, Borr�w�r shal� sa��sfy �he l��n or take�n�or mor� of the actians set f�r�h abo�e zn�h�s Section 4. Lend�r may require Borr�wer ta pay a�ne��ime charge for a real es�ate�ax��ri�cation andlor repnr��ng service used by Lender zn c�nnecti�n w�th this Loan. 5. Property [nsurance. Borraw�r sha�� keep the impro�em�nts now e�ist�ng or hereaf�er erected an the Propert�insured against�oss by fire, hazards �nc�uded w�thin the term "e�tended coverage," and any other hazards inclu��ng, �aut no��im�.ted to, ear�hquakes and ��.00ds, for which L�nd�r requir�s insuranc�. This znsuranG�shai� be mainta�ned in the amoun�s �includ�ng��duct�b�e�evels� and f�r the p�r��ds that Lender requires. 'VL�hat Lend�r requires�ursuant to th�preceding sentences can chan�e during the term of the Loan. The insu.rance carrier provzding the insurance sha��be�h�s�n by B�rrower sub��c��o Lender's r�ght to _ disapprove Barrower's cho�ce, vvhich righ�sha�l na�he�x�rcised unreasonabl�. Lend�r may requ�r� Borra�er to pay, �n connec��on w�th th�s Loan, either: �a} a on��ime charge fflr flood z�ne d��rm�nation, cer��a�ion and tracking serv�c�s; flr�b} a an��time charge f�r flaad z�n�determinati�n and cert�ficat��n ser�zc�s and subsequent Charges ea�h��me remappings or simi�ar changes�c�ur whi�h reasanab�y mught affect such determination nr c�r�ification. Borrnv�er shall also be respansible f�r the payment�f any f�es imp�sed by the Fed�ra� Emerg�n�y Managem�nt Agency in c�nnectian vvith�he rev�ew�f any flood zone d�terminatian resu�ting fram an�bj�ct�on by Borrower. �f Barrow�r fails�o ma�ntain any of the c��rages des�ribed a�o�e, Lend�r may abtain insuran��co�era��, a�Lender's option and Borrow�r's expense. Lender is under no�b��gatxon to purchase an�par��cuXar�ype�r amount of coverage. Therefore, such coverage sha�l cover Lender, �ut mught or might not pr��ec�Borr�v��r, Borrower's equity in the Prop�rty, or the con�ents�f the Proper�y, aga�nst any ri�k, hazard�r��a�i�ity and rnight pravzde greater or�esser�o�erag�than u�as previausly in effect. B�rr�vver ack�ow�edges tha��e cost of th�insurance cov�rag�so obtained xnzgh�significantly exc�ed�he cost af�nsurance�ha�B�rra�ver c�u�d have oh�ained. Any amounts d�sbursed by L�nd�r under this Section 5 sha�l�ecame add�t��nal deb�af Ba�rower secured by this S�curi�y Instrument. These amoun�s shall bear interes�a��he Not�rate from��e da�e of dis�u�rsemen� and sha��be payabl�, w��h such �n�erest, upan natice fr�m�.L�nder��Borra�ver reqUesting paymen�. N�BRASKA-Single Family-Fannie MaelFreddie Mac UNIF�RM INSTRfJM�NT Farm 3428�1�1 VMP p VMP6[N�f{13D2� Walters Kluwer Financial 5�r�ices Pag�fi af 17