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2� 1 ��8552 r�quired by RESPA, and Borrow�r sha11 pay to Lender the amaunt necessary to make up the deficiency in ac�ordance w�th RESPA, but �n na more than 12 month�y paym�nts. Upon pa�rment in fu�l �f a11 sums secured by t�Zis Security �ns�rum�nt, Lender sha�l promp��y refund to B�rr�w�r any Funds held by Lend�r. 4. �harges; Liens. Bnrrow�r shall pay al�ta�es, a�sessmen�s, charges, f�ne�, and�mposi�i�ns a�tributab�e�o the Praperty which can attain prior�t�r o�rer�his�ecurity �nstrument, �easeho�d payrn�nt�or ground rents on �he Praperty, if an�, and�ammunity Assocza�ion Dues, Fees, and As�essm�nts, if any. Ta the exten�that thes�i�ems are Escrav� ��ms, Barro�rer sha��pay th�m in�he manner pro�ided in Sec�ion 3. Borrav�er shall prampt��r d�scharge any lien w��h has prxori�y ov�r th�s Security Instrum�n�unl�ss � Barrow�r: �a} agrees in wr��ng to the pa�ment af��e ob�xgat�on secured by the l�en in a man�er acc�pta�� t� Lender, but anly s� �ong as Borra�er is perfarnv.ng such agreement; �b} cant�sts th��ien in good faith�y, or defends agaxn�t enf�rcem�nt of the��en in, legal praceedings vvh�ch�n Lender's�pxn�on flperate to prevent �he enforcemen�of the 1��n while those pr�ceed�ngs are pending, bu�only unti�such proceed�ngs are concluded; ar�c} secure� frorn�he ho�der of�he lien an agreem�nt sa�isfac�ory�a Lender subordinating the li�n ta this Securi�y Xnstrumen�. If Lender determines that any par�of the Property is subject�o a�ien which can at�ain priority aver�h�s Se�urity Instrument, Lender may give Barrower a notice identif�ing�h�lien. W�thin 1�days of the da�e on which that na��ce�s g�ven, B�rro��r sha11 �a�isfy�he lien or�ak�one or more af the act�on�set far�h abo�e�n this Sect�on 4. Lender may re�uire Barro�ver to pay a anewtim�charge for a real estate tax v�rif cat��n andlor repnrting .service used b� Lender�n connectxon�vi�h this Loan, 5. Pr�perty Insurance. Borr�wer sha�1 keep �h� �mpravem�n�s now existing or hereafter erected on the Property insur�d aga�nst�oss by fire, hazards inc�uded w�thin�he term "ex�ended c��erage," a�d any�ther hazards �nc�ud�ng, bu�nat Iim�ted to, ear�hquakes and floods, for wh�ch Lender requires insurance. This insurance sha�� be maintained �n the amounts �inc�uding deduct�b�e�e�e�s) and for the periods �hat L�nder r�quir�s. �ha�� .��r r�quxres pursuant t�the preceding sentences can�hang�during�h�term�f the Loan. The insurance carrier pravxding �he znsurance sha11 be chos�n by Borrower subje�t�� Lender's right to d�sappra�e Borrower's cho�c�, which right sh�� not be exercis�d unreasonab�y. Lender may require Borrower�o pay, in connecti�n wx�h this Loan, ��ther: �a} a one-�ime charge f�r fload z�ne determinatz�n, cer�i��ation and tracking services; ar�b� a�n�-time c�.arge for flflod zone determ�.nation and cer��f�ca�ian serviGes and subs�quen�charge�each t�me remappings�r simu�ar changes occur w�i�h reasanab�y migh� affe��such determ�na�xon�r cer�ification. B�rrawer sha�� also be r�sp�nsibie far th�payment of any fees �rnp�sed by�he Fed�ra� Emergency Managemen�Agency in c��i�n with the reW�ew af any flaad z�ne d�term�na�zon resu�ting frorn an obj ection b�Borr�urer. �f Barrower faiis �o main�ain any of th�c��erages�iescr�bed above, �.ender may�bta�n insurance coverage, a�Lender's optifln and Borrower's e�.pens�. Lender is under�o�b�igatzon to purchase any par�z�u�ar typ��r am�u��of co��rag�. Therefore, such co�verage shall cover Lender, bu�might ar might na�pro�ect Barrovver, Barrower's equ�ty in�he Proper�y, ar the cnnt�n�s�f the Praper�y, against any risk, hazard ar liabili�y and m�i.ght pra�ide greater or lesser coverage�han was pre�xously in effect. B�rro��r ackno�v�edges that the G�s� of th�insurance coverage sa obtained migh�sign��cant�y ex�eed�h�co��of insurance that Borrower cau�d ha�e obta�ned. Any arnoun�s disbursed by Lend�r under�h�s��ct�an S shal�become additional d�bt�f Borrower secured b� this Security �nstrument. Th�se amau�a�s sha1X b�ar int�res�a��.he Nat��ate from the �ate of d�sburs�ment and sha�� be payabl�, with such int�res�, upon natice from Lender�o B�rrower r�questing paymen�. NEBRASKA-Single Family-�annie MaelFreddie Mac UNt�ORM INSTRUMENT �arm 3�28 11a1 VMP Q VMPfitNES�1302y Wolters Kluwer Financial Services Page fi at�7