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2� 1 ��445� required by RE�PA, and Borrov��r sha�l pay ta L�nder�h�amoun�necessary ta ma�e up the de�c�ency �n accordance u�ith RESPA, but in no mor��han �2 man�h�y payments. Upon pa�ment in ful� of all sums se�ured by this Se�urit� Instrumen�, L�nder shall pronnptl� re�und ta B�rrower any Funds he�d b� Lender. 4. Gharges; Liens. Borrower sha��pay a11 ta�es, assessments, �harg�s, f�n�s, and impos�tions attribu�ab�e�a the Prop�r�y which can attain priorit�o�er this Security �ns�rument, ��aseho�d paym�nts or ground ren�s�n the Praper�y, �f any, and Community Associatian Dues, Fees, and Assessments, �f an�r. To �he�xtent tha� these ��ems are Escro�v ��ems, Borrower shall pay them in the manner provided in Sec�ian 3. Borrou�er shall promp�iy d�scharge an�lien which has pr�or�ty aver this Securi�� Instrument unless Borrow�r: �a} agre�s in v�riting�o the paym�n�of the Qb�zgatz�n secur�d�y��e��n �n a mann�r accep�abie to Lender, but on�y s� Iong as Borrower is perf�rming such agreement; �b}cantests the��en �n gaod fa��h by, ar defends against�nfarc�ment of the��en �n, Iega�proceedings Which in Lender's opinian�perate to pre��nt �he enfor�ement of the li�n while thost praceed�ngs are pending, but only unti� such praceedings are c�nc�ud�d; or�c} s�cur�s fronz th�ho�d�r of th�l�en an agreement sa�isfac�ory�o Lender su�ordina�ing�he lien to this S�curit�r�ns�rument. �f Lender determin�s that any part af the Praperty �s subject ta a��en wh�ch Gan attain priority over th�s Security�nstrument, Lender may give Borr�wer a notice id�nt�fying the l��n. �Ni�hin ��days of the date�n�hich that notice �s g��en, Borrov�er sha�� sat�sfy�he lien or tak�on��r more of�he actions set forth aba�e in this 5�ction 4. Lender ma� requir�BorrQwer t�pay a�ne�time charge for a r�al estate ta�verification andlar report�ng ser�ice used by L�nder in cannection w�th th�� L�an. 5. Praperty �nsurance. B�rrower shai�keep �he �m.pravements naw existin�or hereaf�er er�ct�d on the Property �nsured aga�nst�oss by fire, hazard� included w��h�n�he term "ex��nded coverage," and any ather hazards inc�ud�ng, but n��im�t�d to, earth�uakes and floads, for wh�ch Lender r�qu�res �nsurance. Th�s insurance shall be maintazned in�he am�unts �zn��u�ing dedu�tibl�levels� and far th�p�r�ods tha� Le�a�ier requires. '�lha�Lend�r requires pursuant ta the preced�ng sentences can�hange during the term of the Loan. The insurance carrier providing the insurance shall be ch�sen by Bnrrower subject t� Lender's r�gh�� d�sappr�ve Borrower's choic�, vvhiCh righ�shal� nat be e�er�ised unreasanably. Lender may requ�re Borraw��-to pay, �n connec��an�v�r�th�his Loan, ei�her: �a} a one-time charge far f�oad zon�determination, Ger�i�catian and track�ng ser�ic�s; or��} a one-time charge for flood zone determina�ion and cer�ification services and sub�equerzt�harges each time remapp�ngs ar similar�hang�s occur which reasanably might aff�c�such determination or cert��ati�rz. B�rrower sha�l a�so be responszble for the pa�ment of any fees ��npos�d by th� Federa� �mergen�y Management Agency in conn�c�zon with the rev�ew of any f�ood zone det�rm�nat�on re�ulting fram an abje�t�an by Borro�ver. If Borro�er fai�s to maintain any a��he co�erages descri�ed abo�e, Lender ma� obtain insurance co�erage, at Lender's op��on and Barrawer's e�pe�.se. Lender�s under no�b��gation�o purchase any par�icular type or amount af cflvera�e. T�er�fore, su�h Cov�ra�e shal�co�er Lend�r, bu�m�i.gh�or mi�ht no�protect B�rrower, Barrower's equit� in the Propert�, or the cantents flf the Proper�y, aga�nst any risk, hazard or��abi��y and migh�pra�ide greater or lesser coverage�han was previ�usly in effect. B�rrnwer a�knowiedges�hat�he cost af the insurance coverage so obtained migh�sign�fican��y exce��he cnst af�n�urance tha�Borrawer�ould �ave obta�ned. Any amounts disbursed�y Lender under�h�s Sectzan S �hal� be�om�add�t��na� d�b��f Borrower secured by th�s Securi�y �nstrumen�. These amount� shall bear interest at�he N�te rate from the date of disburs�m�n�and sha�� be pa�a��, w�th such inter�st, up�n noti�e fr�m L�nd�r to Borraw�r reques��n�paym�nt. NEBRASKA-5inc�le Family-�annie Mael�rer�die Mae UNIFDRM 1NSTRUMENT Form 3��$�10"1 VMP p VMPBtN�]41302} Wv6ters KI�wer�inancial 5er�ices Page fi❑f�7'