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2� 1 ��4�44 r�qu�red by RE�PA, and Barrower sha��pay to Lender�he amount necessary�o mak�up�h�d�ficien�� in accordance�vi�h R�SPA, but in n�more than �� mon�hiy payments. Upon paymen�in fuli of all sums secured by�hi� Security �nstrumen�, L�nder shal� pr�mp��y r�fund ta Borra�ver any Funds he�d by Lender. 4. Charges: Liens. Barrower shal� pay all taxes, assessments, charges, �nesy and i�mpos�tions attr�butab��o the Proper�y v�hzc�can atta�n pr�nr�t� Qver this S�curity Instrum�nt, �easeho�d payment�ar gr�und rents on �he Pr�per�y, if any, and Comumunity Assnc�a��on I]ues, Fees, and Assessmen�s, if any. T�the��ent�hat these items are Escrow It�ms, Barrower shall pay thenl in�h�maz�ner provided in Sect�an 3. Borrower shal� pro�mpt�y discharg�an��ien whi�h has priori�y a�er�h�s S�curity Instrument unl�ss Borrawer: �a} agrees in wri�ing ta th�payment of�he ob��ga�ian secured by the i�en in a manner ac�eptabie ta Lender, but only so �ang as Barrower�s perfarnl�ng su�h agreement; �b} cnn�ests the�i�n xn go�d faith�y, or defends agains�enforcement of the lien in, �ega� praceedings wh�ch�n Lender's opinian operate ta pre�en� �he enforcement of the��en wh�le those proceedings are pending, but aniy until such praceedings are conc�ud�d; or�c} secures fram the h�lder af�he iien an agr�emen�satisfac�ory to Lend�r subard�nating �he Iien to �his Securi�y Instrument. If L�nd�r de�erm�.�n�s that an�r par�of the Prnperty �s sub�ect�o a lien whi�h can atta�n pr��rit�a��r�h�s ��curity Ins�rumen�, Lender may g��re B�rr�v�er a notzce iden�z�ying the l�en. Within �D days flf the date on wh�ch tha�notice�s given, B�rrower shall satisfy th�Iien ar take one or more of the actians set for�h above in�h�s Section 4. Lend�r may require Barrower t�pay a one-t�m�charge for a r�ai es�ate tax�er�f�ca��n andl�r reporting servic�used by Len�er�n�onn�ction with this Loan. 5. Property Insurance. Borrower sha11 keep the improvements now ex�sting ar h�r�aft�r erected on th� Prapert� insured agains� loss by �re, �azards inc�uded wi�hin the term "extended c�verage," ar�d any other hazards �nc�ud�ng, but n�t limit�d t�, �arthquakes and ��oods, for which Lender requzres �nsurance. This insuranc�sha�� b�ma�n�a�ned in�he amaunts �inc�udinb deduct��Ie�eve�s} and far�he per�ods tha� Lender requ�res. �hat Lender requ�res pursuant t�the pre��ding sentences can change during �he ter�m of the Loan. The insurance carrier providing the�nsurance sha�� b��hosen by Borrow�r sub�ec� �o Lender's right to disappro�e Borrower's ch�ice, whi�h r�ght sha�� not be�xerc�sed unreasonab�y, Lender may requ�re Borro�er t�pay, in conne�tion��ith this Loan, ei�her: �a} a one-ti�me charge for f�oad z�ne determ�nat�on, cert��icatian and tracking s�rvices; or�b} a one�time charge far flood zone determina�i�n and cer�ifica�ion serv�ces and subse�uent charges each time remappings�r similar�hanges occur which reasanabiy migh� affect such de�ermina�ion or��rt��cat�on. Borrower shal� also be r�sponsi�le for the paym�n��f any fe�s impas�d�y�he F�deral Emergency Management Ag�ncy �n connect�on with the re�iew of an�r flood zone de�erm�nat��n resu�t�ng frnm an abjec�i�n by Borrower, �f Borrawer fai�s to main�ain any of the C�vera�es describ�d abnve, Lender may obta�n insurance c�v�rage, at Lend�r's �ption and Barro�er's�xpense. Lender�s under nfl ob�igati�n to purchas�any particular typ�or arnount of co��rage. Therefnre, such�overage shall cav�r Lender, bu�m�ght or m�gh�no�pro�ect Borrower, Borrower's equ��r in the Pr�perty, �r the cfln�ents af the Pr�p�r��, against any risk, ha2ard or liabi�ity an� might provid�grea�er or Iesser�flverage than wa�pre�xous�y in effect. B�rr�wer acknow�edges that�he eflst of�he insurance co�erage so abtained rnight�ignifican�iy e�.ceed the c��t af�nsura.�ce�ha�Borrow�r c�u�d ha�e obta�ned. Any amounts disbursed b� Lender under�his Sect��n S shall becorne additianal debt af Borrawer secured by th�s Security �nstrument. These amaunts shall bear interes�at the Nate ra�e from the date af disburs�ment and shall be paya�le, with such �nterest, upon no�ice from Lender ta Barrawer reques�ing payment, N�BRASKA-5ingt�F�mily-F�nnie M��1Freddie M��UNIFaRM INSTRUMENT Form 3428 1{�1 VMN� VMF'Ei�N�i[i�U;�1 Wvlt�rs Kluwer Fin�n�ial 5er�ices Page 6❑f 17