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2� 1 �� 15 �_ requ�red by RESPA, and Barravver shail pay to Lend�r�he amaunt neCessary to make up th�de#iciency in a�cordance w�th RESPA, but in na �nore than IZ month�� payments. t]pon paym�nt in full of all sums secure�b�this S�cur��r Instrument, Lender sha�� prompt�y refund ta Barrower any Funds held by L�nd�r. 4. Charges; L�ens. Barrower sha��pay all taxes, assessments, charg�s, f�nes, and impas�t�ons attri�utable�a the Pr�pert��vh�ch can atta�n pri�rity over�his Security In�t�-u.ment, �easeh��d payrnents or ground rents on th�Pr�perty, if any, and��mmuni�y Assoc�a�ion Dues, Fe�s, and Assessments, if any. To the�x.�ent�hat these items are Escr�w �t�ms, Borrower sha�l pay�hem in th�manner prov�ded in Se�tion 3. . Borr�w�r sha�I pramptl� d�scharg�any lien whi�h has pri�r��o�er th�s Secur��y �nstrument unless Borr�wer: �a} agr�es in writing t�th�payment of�h�ob�igat�an secured by the izen �n a manner acceptabie to Lender, but an�� sa ��ng as Borrflwer is performing su�h agr�ement; �b} cantest� the ��en�n�ood faith by, or defends aga�nst enforcement of th�lien in, legal proceed�ngs which in Lend�r's np�nion aperate to prevent the enforcement of the�ien v�hi�e�h�se proc�ed�ngs are pending, but onl�unti� such proceeci�ngs are c�ncluded; ar�c} secures fron�the h��der of the lien an agreement satisfactory to Lend�r subard�nat�ng �he � �ien�o th�s Securit� rnstrumen�. �f Lender d�term�n�s that any part of the Property is sub�ect ta a��en which can a�ta�n pr�or�ty over�his Securi�y In�trum�nt, L�n�er may give Borrawer a notice iden�ify�n�the lien. Within I�day��f the date on which that natice �s g�ven, B�rrower sha�� sa�isfy the li�n or take ane or mare of the action� s�t farth abave in th�s Sec�ian 4. � Lender may require Borrower to pay a on�-time�harge for a rea� estate tax verif�cation an.dlor repor�ing serv�ce used by Lender in�onnection with this Laan, 5. Property !nsuran��. Borrnwer shall keep the �mpravements naw exist�n�or hereafter erected on the Praperty insur�d against loss by f�re, hazards inc�uded w�thin the term "e��ended co�erage," and any �ther ha2ar�s including, but nat l�m�t�d�o, ear�hquakes and flaads, for which Lender requ�res �nsurance. This insuranc�shall be maintained in the amaunts �includin� d�du��ib��Ievels} and for thE per�Qds �ha� Lender requ�res. Wha�Lend�r requires pur�uant�o the preceding sen�ences can c�ang�during th� t�rm�of�he Loan. Th��nsurance carr��r prav�ding the insurance shal�be chasen by Borrotiver subject t� Lender's ri�ht to d�sapprave Barra�ver`s cho�ce, u�hich righ�shal� not be ex�rcise� unreasonably. Lender may require Barrower ta pa�, in cannect�on��h this Loan, either: �a} a one��ime charge for flood 2ane determina�ion, . certificat�on and �rackinb serv�ces; or�b} a ane�time charge for��.�ad zan�determ�nat�on and�er��ication serv�Ces and subs�qu�nt charges�ach��me remappings or s�mi�ar changes oc�ur v�h�ch reasonabiy m�bht aff�ct su�h d��erm�nation�r cert�fi�ati�n. Borrower shall alsa be respons�b�e f�r the payment of any f�e� impas�d by the F�dera� Emergen�y Nlanagement Agency in conn�ction wi�h th�r�v�ew of any flood zo�e determination result�n� from.an abjec�inn by Borro�ver. �f Borrower fa��s to maintain any of the coverages described abav�, Lend�r may abta�n �nsuranc�co�erage, at Lender's option and Barrower's exp�nse. Lender is under no ab��gat��n t�purchase any par�icu�ar�ype or amaunt of ca�erage. Therefore, such�overage sha�l cover Lfend�r, bu�m�ght ar m�ght not pro�e�t B�rrawer, Borrow�r's equity in th� Proper�y, or the cont�n�s af the Property, against an� r�sk, hazard or Iiabili�y and m��ht pro��de greater ar Ie�ser caverage than was pre�ious�y �n effect. Borrower acknow��dges that the co�t of�he�nsurance co�erage sa ob�ain�d m.igh� ��gn�ficantly�xc�ed�he cas�of insurance that Borrower cou�d ha�e abtained. Any amounts disbursed by Lender und�r this Se�ti��5 shal�become add�tiana� debt of B�rrow�r secured�y�h�s Securi�y �ns�rument. These am�unts shall bear int�res�a�the Note rate from the dat��f�.�sbursement and sha�� be payable, vvith such interest, upon natic�fro�n Lender to B�rr�wer requ�st�ng paym�nt. NEBRASKA-Sir�gle Famity-Fannie Ma�IFrecfdie Mac�NIF�RM#NSTRUM�NT Fvrm 30�8�1�1 VMP� VMPfi�N�}t1302y W�Iters Kluwer Fi�ancial 5ervices Page 6 of 17