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2� 1 ��488� required by RESPA, and B�rrower sha��p�y�o L�nder the amoun�ne�essary to mak�up the defic�ency in accordance with RESPA, �ut xn no more than I2 monthly paymen�s. Upon payment in ful� of al� sums secured��r th�s Se�urity Instrumen�, Lender sha11 pramptly refund�o Borrow�r any Funds he�d by Lender. 4. Charges, Liens. Bnrr�w�r sha��pay a�� axes, assessmen�s, charg�s, f�nes, and impQs�t�ons attributab�e ta the Pr�perty which can attazn pr�orit�o�er th�s �ecurity Instrument, ��as�hfl�d pa�ment�or ground r�nts on the Pr�perty, if any, and��n�munity As�oc�atzon I]u�s, Fees, and Assessments, �f any. T� the e�.��n��ha� these��ms are Escrovv �tems, B�rrower sha��pay them in the manner provided �n Se�t��n 3. B�rrower shall pramptly discharg�an��ien u�hich has pr�ority��er�his Secur��y �nstrument un�ess B�rrawer: �a} agrees �n vvr�ting to the payment of�he�bl�gat�an secured�y th��ien�n a mann�r a�c�ptab�� ta Lender, but anly sa ��ng as Borrower is perfarming such agreemen�; �b} cont�s�s the lien in gaod fai�h by, ar d�fend� against enfarc�m�nt of th��en in, leg�l proc�ed�ngs wh�ch in Lender's apznian operate ta pre�en� the enforcement of the��en wh��e�hose prnceedings ar�pending, but oniy un�i� such pr�ceed�ngs ar� concluded; or�c} secures from th�halder of�he li�n an agre�men�sa�isfac�ory t� L�nder subordinating the lien to this 5e�urity �nstrumen�. �f Lender d�t�rmines that any part af the Property zs subject t� a�xen wh�ch can attain pr��rzty over this Secur�ty�n�trum�n�, Lender ma�give Borrawer a noti�e�de�.t�f�r�ng the �xen. �Vi�h�n ��days of the date on vvh�ch�hat na�ice is g��en, Bflrr�wer shall satisfy the�ien�r take on�or more of the actians set f�r�h above in�h�s Sect�nn 4. L�nder may require Barrower t�pay a one-time�harge for a real estate tax�erificat�on andlor repar�ing service used by Lender�n c�nnec�ion��h this Laan. 5. Property �nsurance. Borrawer sha11 keep the�mprawements n�w exist�ng or hereaf�er erect�d on �he Property insured against lass hy �re, hazards �nc�ud�d wi�hin the�erm "�xtend�d�ov�rage," and an�ather hazards �nc�uding, bu�n�t limited to, earthquakes and fl�ods, far wh��h Lender requires insurance. This insurance sha�1 be mainta�ned in the amoun�s �including deduc�ible�eve�s} and f�r the p�riods �hat Lender requ�res. �Vhat Lender r�quir�s�ursuan�ta the prece�iing s�n�ences can change dur�ng�he�erm of the L�an. The in�uranc��arr�er providing the�nsurance sha��be chosen by Borrower subjec�t� Lender's right�a disappro�e Barrower's chaice, vvhich r�ght sha��not�e�xerc�sed unr�asonably. Lender may require B�rrower t�pay, in c�nnec�i�n v�ith th�s Loa.n, either; �a} a one--t�me charge for flood zone determ�natiar�, eer�ificati�n and track�ng services; ar�b} a one--t�m� char��f�r flood z�ne determination and cer�i�ca�ion servzces and subsequerzt charges each time remapp�ng�or��mi�ar�hanges o�cur wh�ch r�asonab�y mi.�h� affec�suCh d�termina��an ar cer�zf�cation, Borrawer sha�� a�s��e respflns�b�e for�he payment of an�fees �mposed b�th�Federa� Emergency Management Agency in cannec��n w�th�h�r�view of any f�aad zone d�t��runatz�n resu��ing frnm an ob�ection by B�rr�vver. If Borrawer fails t�maxnta�n any�f the cov�rages describ�t�abave, Lender ma�obta�n�nsurance��verage, a� Lender's opt�on and Borrower's expense. Lend�r xs under n�obliga�ion ta purchas�any part�cu�ar type or amount of�a�erag�. Ther�fare, such�owerage shall �ov�r Lender, bu�might or migh�no�protec�Barrow�r, B�rrower's equity�n the Propert�r, or the�ontents of the Proper�y, agains�an�r r�sk, hazard or�iab��t�and nnight pro��d�grea�er ar lesser covera�e�han vvas p�eviou�� in effeC�. Borrower acknow�edges that the c�s� af th��nsurance caverage s� �bta�ned m��ht significantly e�ceed the cost af insuranc�tha�Barra�ver c�u�d have obta�ned. Any amaunts disbursed by Lender ur�d�r th�s Section S shall be�ome additiona� deb�af Borrawer secured by thxs �ecurity �ns�rument. Th�se amounts sha�l bear interest at th�Nate rate fram�he date of disbursement and shal� be payable, wx�h such interest, upon not�c�fr�m Lender t�BQrro�ver requesting pa�ment. N�BRASKA-Single Family-Fannie MaelFrecldie Mac IJNIFQRM INSTRIJMENT Form 3028 11�1 VMP Q VMP6{NE)�1302� Wolters K luwer�inanc+al 5er►►ices Page 6 of 17