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2� 1 ���229 <br /> requir�d by RESPA, and Barrower shal�pay t� Lend�r th� amoun�necessary to make up the d�f�ciency in <br /> accordance with RESPA, but in no more�han �2 m�nthly payments. <br /> IJpon payment in full of a�I sums secured by�his Securi�� Instrument, Lender shal� prompt�y r�fur�d t� <br /> Borrower any Funds he�d by Lender. <br /> 4. Cha�ges; L�ens. Bnrrower sha�� pay a�l ta�es, as�essments, charges, f�n�s, and�mpositions a��ributab�� tQ <br /> �he Pr�per�y whi�h can atta�n pr�orz�y aver this Se�urity Instrument, leasehold paymen�s flr grQund r�nts on <br /> the Pr�per��r, if any, and Commun��y Assoc�a�ion Dues, Fees, and Asse��m�ents, zf a.�y. To �he�xtent tha� <br /> these��ems are Escr�w �t�ms, Barraw�r sha��pay th�m�n th�mann�r provided�n��ct�on 3. <br /> B�rrawer shall promp��y discharge any �ien wh�ch has priflrity a�er this Secur�ty �ns�rumen�un�ess <br /> B�rraw�r: �a} agr�es �n writing�a the payment of the�bligat�an secured by �h�l�en zn a manner acceptab�e <br /> �o Lender, �u�only so �ang as Barrawer is performing such agreement; �b}cant�sts the��en in good fa�th by, <br /> �r defends aga�nst enforcement of the�ien in, lega�pr�ceedings which in L�nder's opzn�on operate to pr�vent <br /> the enforcemen�of the��en v�hile�hase proceedings are pend�ng, but o�ly until such proce�dings are <br /> concluded; or(c} secures fram the h�lder of the�ien an agre�n�en�sa��sfactory to Lend�r subard�nating �h� <br /> lien�a �his Security Ins�rumen�. �f Lender d�termines that any par�af�he Proper�y i� subject ta a lien whi�h <br /> can attain priarxty a��r th�s Secur�ty�nstrument, Lender may gi�e Borrow�r a n�t�c�iden�ifying �he�ien. <br /> �Vithin �4 days af the date on which that n�tic��s g��en, Borr�wer sha�� sat�sfy the li�n�r take�ne or more <br /> of the act�ons set forth abo�e in th�s Section 4. <br /> Lender ma�r�quire Borrov�er to pay a ane-time charge f�r a real es�ate�ax verifica��on andlor repor�ing <br /> ser�ice used by Ler�der in cannec�ian with this Loa�a. <br /> 5. Praperty lnsurance. Borro�ver sha�l ke�p�he im�rovements now exist�ng or hereafter erected an the <br /> Pr�perty insured against lass by fire, hazards included with�n the�erm "�xtend�d cflverage," and any oth�r <br /> hazards �nciuding, bu�n�t limited t�, ear�hquakes and�1��ds, for which Lender requires irasurance. This <br /> �nsurance shall be mainta�t�ed in th�amaun�s �inc�uding deduc�ib�e le�els} and for�he per�ods that Lender <br /> requ�res. What Lender req��i�-es pursuant t��he prec�d�ng sen�ences Gan change during the term of the Laan. <br /> The insurance carr�er prav�d�ng the insurance shall �e ch�sen by Borrower su�j�ct to Lender's ri�ht ta <br /> disappro�e Borrower's cho�ce, �vhich righ�shal�not�e exercised unreasonab�y. L.ender may requir� <br /> Barr�wer to pay, in c�nnect�on with�his Loan, ei�her: �a} a one-t�me charge for fload zane de�erm�nation, <br /> C�rt�f�cat�on and tracking ser�ices; �r�b} a one���me�har�e for fload zone d�termination and certification <br /> serv�c�s and su�sequ�n�charges each��me remappings ar s�m�lar changes occur v�hich reasona��y might <br /> affec�such determination or cer��f�catz�n.. Borrower shal� a�sa be responsible for the paymen�of any fees <br /> imposed by the Federal Emergency Management Ag�r��y in connect��n tiv��h�he review af any f�.flod zone <br /> �.��erm�na�ian resu���n� from an obj e�tion by Borr�wer. <br /> If Borrower fails ta nlazn�a�n an�af�he caverages described a�ove, Lender may o�ta�n insurance co�erage, <br /> at Lend�r's opt�on and Borrawer's expense, L�nder�s under no �b�iga�ion t�purchase any par�icular typ��r <br /> arn�ount of co�erage. Ther�for�, su�h cov�rag�shal�cav�r Lender, but might�r might na�proteG�Borr�wer, <br /> Borr�wer's e�uity in the Proper�y, ar�h�c�nt�nts�f the Praper�y, against any risk, hazard ar liabili�y and <br /> migh�pro��de grea��r or lesser�o��rage than was pre�ious�y �n effec�. Borrflwer acknowledges that the cas� <br /> of the insurance coverage so ab�axn�d rn�ght s�g�if��an�iy exceed the cos�of insuranC��hat Borrawer could <br /> have abta�ned. Any amounts d�sbursed by L�nd�r under th�s Section 5 sha��becflme ad�i�ianal deb�of <br /> Barr��ver se�ured by this Se�ur�ty�ns�rum�n�. These amoun�s shal�bear interest a�the Na�e rate from the <br /> da���f disbursement and sha�� be payab�e, w��h such �nt�r�st, upon notice from Lender to Barrower <br /> re�u�sting paymen�. <br /> NEBRASKA-5ingfe Family-Fannis MaelFreddie Mac UNf��RM lN5TRLIM�NT Farm 3�28 1101 <br /> VMP Q VMPS�N�y�13n2y <br /> Wolters Ktuwer Financia!5er�ices Page B of 17 <br />