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2� 1 ��418 requ�red by RESPA, and Borrower sha�i pay ta Lender the amount necessary ta make up the de�ciency in accordance w��h R�SPA, but �n no m�re than 12 monthly payments. . Upon paym�nt�n fu�� of all sums secured�y �h�s Security �ns�rument, Lender sha��prom.pt�y refund ta Barrower any Fun�.s hel�i by Lender. 4. Charges, L�ens. B�rr�wer shall pa� a�I tax�s, assessmen�s, �harges, �nes, and zmpos�t��n� attributabie ta the Prop�rt�r which can at�ain priority over this Securi�y�nstrument, �eas�ho�d paymen�s or graund rents on the Pr�per��r, �f any, ar�d Cornmunit� Associatian Dues, Fees, and Ass�ssm�ents, if any. To �h�e�tent�hat th�s�it�ms are Escraw �tems, Borrower shall pay them�n the manner provided�n Sectian 3. Borravv�r sha�I prompt��r d�scharge a.ny l�en v�hich has prior�ty over�h�s Securz�y �nstrurnent uniess B�rr�v�er: �a} agrees in v�rrz�ing �o�h�paymen�of the obligation secur�d by the l�en in a mann�r aCcep�ab�e to Lender, but on�y s� ��ng as Borrower�s perf�rming such agr�ement; �b}��n��s�s the Iien�n good faith by, �r defends agains�enfarc�ment of the��en�n, �ega� proceedings whi�h in Le�der's ap�n��n�perate to prevent the�nforcement of�he l�en whz�e thase proceedings are pend�ng, but�n�y unti� such pr�ceedings ar� conc�uded; or tc}secures fram the holder of the�i�n an agreem.ent sat�sfac�ary t� L�nder subordinating the ��n to �h�s Securxty�ns�rumen�. �f Lender deternunes �hat any par�of the Prop�r�y is subject to a lien which �an attain pr�or��y o�er this Secur�ty �ns�rumen�, Lender may g��e Borrower a n�tice�dentifying�he�ien. V�ithin I�days�f�he date�n which that no�ice is a1V�ri, Barrower�hall satisfy the Iien or tak�one or more of�he action� set for�h above in this Sec�ion 4. Lend�r may require Borrower to pa� a oneTt�m�charge for a real estate�ax v�r�f�catian andlor reporting serv�ce used by L�nder in�onne�t�on wi�h th�s Loan. �. Pr�perty �n�urance. Borrov�er sha�� keep�he�xnpr�vements nn�v �xis�ing ar hereaf�er�r�ct��i on the Propert�insured agains� loss�y fire, hazards inc�uded w��hin �he term "ex�ended cav�rage," and ar�y fl�her hazards in�luding, but n�t limi�ed to, ear�hquakes and floods, for wh�ch Lender requires insurar�ce. Th�s insurance shall be maintained in the amoun�s �including deduc�ib�e leWe�s}and for the periods�hat Lender requzres. �hat Lender requ�res pursuant ta th�pr�ceding sen�ences �an change during the �erm af�he I�oan. The �nsurance carrier pr��d�ng th��nsurance sha�� be chosen by B�rrawer subjec� �a Lend�r's right ta disapprove Borr�wer's choice, �vh�ch righ�shal� no�be exer�ised unreasanab�y. Lender may require Borr�wer to pay, in�onn�ction with thi�Loan, e��her: (a} a one-��me charge far flaod zane determ�natian, c�r�ificatian and tracking services; or tb} a one��ime charge for flaod zane deternuna�ian and cer�i�cation service� and subsequent charges each time remappings or sirni�ar changes occur whi�h reasona��y m�ght affect su�h de��rmina��on or cer��ca�ian. Borro�ver shall also be responsible far�he payment of any fees impos�d�y�h�F�dera� Emergency Management Agen�y in connectian v�vith the review af any ��ood zone determination r�sulting fr�m an.�bjectzon by Barr�wer. �f Borraw�r fai�s�o maintain any of the c�verages des�ribed abave, Lender may ob�ain insurance coverage, at Lend�r's opt�on and Borrower's e�pense. Lender is under no obligation tfl purchase any par�icular type or amount of ca��rag�. Therefor�, such co�erage shall co�er Lend�r, but might or might nat protect Borrower, B�rr�wer's�quity in�h�Proper�y, or the con�ents af the Prflperty, agains� any risk, hazard or liab��ty and might pr��de gr�ater ar��sser co��rage than was pre�iousl� in effec�. Barrawer acknowledges that the cos� of�h� �nsurance co�erage so obtained mi.ght signi�cantiy exc�ed the cost of insurance tha�Barrov�rer could have�b�a�ned, Any amoun�s dis�ursed by Lender under this Secti�n S sha11 become additiona� d�b�of Borrovcrer secured by th�s Security �ns�rument. These am�un�s sha�t bear�nteres�a�the Not�rate fram the date of dzsburs�ment ar�d shal� be payab��, wi�h such interest, upon notice from Lender to Borrav�er r�quest�ng payment, NEBRASKA-5ingl��amily-Fannie MaelFreddie Mac UNEFORM INSTRUMENT Form 3�28'i1�1 VMP� VMP6tNE]t13��y Wvlters Kluwer Financial Ser�i�es Pag�6 of 17