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2� 1 ��7432 requzred by RESPA, and Borrawer sha��pay �a Lend�r the amount n�cessary t� make up th�defici�ncy �n a�cordanc�with RESPA, �ut in no mare than ��m�n�hly payments. Upon payment in fu�1 of a�� sums secured by�h�s Security�nstrum�nt, Lender shail promptly refund to Borrow�r any Funds held�y L�nder. 4, Charges, Liens. Borrower sha11 pay al� taxes, assessments, charg�s, �nes, and impasiti�ns at�ributab��t� the Praper�y whxch can attazn pri�rity o�er�his Se�uri�y �ns�rumen�, ��a�eho�d payments or ground rents on the Prop�r�y, if any, arzd�ammunity Ass�ciatifln�ues, Fees, and Ass�s�ments, �f any. To the��ent�hat these items are Es�raw �tems, Borrower sha1�pay�hem zn the manner pr�vided in Sect�an�. Borr�w�r shall prompt��discharge any �ien which has priflrity a�v�r�his Se�uri��r �nstrument un�ess �3orr�w�r: �a} agrees �n wri�ing to the paymen�af�he��li�a��on secured b�r�h��ien in a ma.r�.ner acc�ptab�e �a Lender, bu�aniy so �ong as Borr��ver is perf�rm�ng such agre�ment; �b� c�ntests th�Iien in g��d fax�h by, �r defends against enfarcement of the lien in, lega�pra�e�d�ngs whxch �n Lend��'s�pini�n opera�e to prevent the enfor�ement af the�i�n wh��e thnse proceedings are pend�ng, but�n�y untx� such proce�dings are concluded; ar�c} se�ures from�he hnlder of the lien an agreem.ent satisfa�tory to L�nd�r subflrdxna�ing �he �ien�� this Securx�y �nstrumen�. �f L�nd�r determines that any part of the Proper�y �s su��ecr to a��en which can attain prior�ty awer this Secur�ty�nstrument, Lender may gi�e Borrower a nfl�ice ident�f�ing �he li�n. 'VV'ithin 1�days of�he date an�vh�ch that no��ce is gi�en, Borrower shali satisfy the�ien or tak�an�ar more �f�he actions se�for�h a�ave ir��h�s Sect�on 4. Lender may require Borrflvc�er tn pay a one-time charge far a rea� es�a��tax v�rif��ation andlar rep�rt�ng servi�e used by Lender�n connectifln with�his Loan. 5. Rroperty lnsurance. B�rrower shall keep �he�mpro�ements n�w existing or h�reafter erec�ed on�he Proper�y �nsured a�ains� ioss by fire, hazards inc�uded w��h�n�he term "extend�d co�erage," and any other hazards �nclud�ng, but not �im�ted��, earthquakes and f��ods, f�r wh�ch Lend�r requires insurance. This �nsurance shall b�ma�ntained zn�he amounts �irzcluding deductib�e l�vels} and for the per�nds �hat Lender requires. ''�That�ender r�quir�s pur�uan�t�t.�e pr��d�n�s��ten��s�an�h�n�e during�he t�errn�f th� L�an. Th�znsurance carr�er providing the insurance sha�l be chosen��Barrower�ubj�ct to Lender's righ�to d�sappro�e B�rrnwer's cho�ce, whi�h right sha�� na� be exerczsed unreasonably. Lender may requir� Borrow�r to pay, in connect��n w�th�his L�an, tither: �a� a ane-t�n�.�charge for flood zone de��rm�na�ion, �er�xf�ca�ian and tracking service�; ar�b} a one--time�harge for fl�od zone d��erm�nation and cer�zficatian ser��ces and su�s�quent�harges each time remapp�ngs nr similar char�ges��ur whi�h reas�r�ab�y migh� affect such detern�nation�r certif�cation. Borrov�er sha�� a�sn b�re�pansible f�r the payment of any fees �mpased by the Fe�eral �mergency Management Agency in�onn�cti�n w��h the review nf an�r fload 2ane det�rmination resu��ng from an ab�ection b�B�rro��r. If B�rrow�r fa��s to mainta�n any of the coverage�de�cr�bed abav�, L�nder may�btazn insurance c�verag�, at Lender's�ption and Borrow�r's expense. Lend�r �s under nn obligatinn t�pur�hase any par�icular�ype�r a�moun�of cav�rage. Therefore, sueh cov�rage shall cover L�nder, but migh�or migh�not pr��ec�Barr�wer, Borravver's equ�ty in the Praperty, or the conten�s of�he Pr�per�y, aga�ns�any r�sk, hazard ar liabx�ity and rn�ght provide greater or�esser coverage than was pre��ous�y in effec�. Borr�w�r ackn�wledges that�he cns� af the�nsurance coverag�so abta�ned m�ght s�gnifican�ly e�ceed the cos�of�nsurance�hat Borrower could have ob�ain�d. Any amounts d�sbursed b�r Lender under�his Sec�ian 5 shal�became ad��t��nal deb�of Borrower secured by this Secur�t� �nstrument. 'These amounts shal�bear int�rest at the Note rat�from the date of disbursemen�and sha�� be paya��e, �r��h such in�erest, upon no�ice from Lender to Barrower request�ng payment. NEBRASKA-Single Family-Fannie MaelFreddie Mac UNiF�RM INSTRUMENT �orm 3028 11�1 VMP Q VMPS{N�j ti 30�� Walters Kiuwer Finar�cial 5er�ices Page 6❑f 17