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2� 1 ��8��2 required by RESPA, and B�rrower�ha��pay to L�nder the amoun�n��ssary�a mak�up the defici�ncy in acc�rdance with RESPA, but in no more��aan �2 mfln�h�y payments. Upan payment zn fu�� o�a�� sums secured by�his Securi�y �ns�rumen�, Lender sha�� promp��y refund t� B�rr�wer an�r Funds he�d by L�nder. 4. Charges; Liens, Borrawer sha��pa� all taxes, as��ssrn�ents, Charges, f�nes, and imp�sit�oris attributable�o �he Prop�r�y wh�ch can at�ain priority aver this Securi�y �ns�rument, leaseho�d payments or ground rents an the Pr�perty, if any, and�ammunit�Assa��atian Due�, Fees, and Ass�ssmen�s, if any. Ta the e�tent tha� these i�erns are�scrow �t�ms, Barr�wer shall pay them in the manner pro�ided in Secti�n 3. Borraw�r s�all pr�m�p��y discharge any ��n wh�ch has pr�orx�y o�er th�s Secur�ty �nstrum�ent un�ess Borr�vwer: �a}agrees in writ�ng tfl the paym�nt af�he obliga��on se�ured by the lien in a manner a�ceptable �a Lender, but only so long as Borrower is perforrning such agreement; �b} contests the l�en in good fa�th by, or defends against enforc�m�nt of the lien in, Iegal proceed�ngs which in Lender`s opinion op�rate to prevent the enforc�men.t of�h�li�n whit�th�se prace�dings ar�pendzng, bu�on�y unti� such praceedings are conciuded; or�c} s�cures from�he ho�der nf the Iien an a�reemen�sat�sfactory to Lender subord�nating�he lien t�thzs Security �nstrument. �f Lender determ�nes that any part of the Property �s su�jec��a a li�n which can atta�n priori��o�er this Securit�r �nstrument, Lender may give Barrow�r a notice identifying�he li�n. W��h�n �.4 da�s af�he date on which that n�tice is given, B�rrawer shall �atisfy �he li�n�r tak�ane or mare af�he act�ons se�for�h ab�ve in�his Section 4. Lender may requ�re Borrovver to pay a one-time�harge far a rea� esta�e�ax ver��cat�on andlor r�por��ng service used by Lender in conn�c��on w��h thzs Loan. 5. Prvpe�rty Insurance. Borrower sha11 keep the improvemen�s now existin� �r h�reafter erec�ed�n th� Proper�y insured against��ss by �re, hazards �n�l�ded within�he term "extended coverage," and any other hazards inc�ud�ng, bu�not limite� ta, ear�hquakes and floods, for v�hich L�nder requir�s insurance. Th�s �nsurance sha�l be ma�n�a�ned}n the amounts �includin�d�duct�b�e leve�s} and for the per�ads that L�nder requ�res. �Vhat Lend�r requ�res pursuan�to the preceding sen�ences can change dur�ng the term of the Loan. Th��nsuranc�carr�er prav�dzng the �nsurance sha�l be chosen b� Borrower sub�ec�� L�nd�rts right ta disapprove Borrow�r's choice, whzch rzght sha�� no�be�xercised unreasonab�y. Lender may r�quire BarrQwer�n pay, in c�nnectior�with�his Loan, ei�her; �a} a�n�-�im�charge f�r flaod zane determ�.nat�on, c�rti�cati�n and �racking s�rvices; �r�b} a ane-time charge for flood zone de�ermina��on and cer��fzcat�on s�rvi��s and su��equent charg�s each��m�r�mappings or s�mi�ar chang��occur wh�ch reasonab�y might affect�u�h determinatian or cer�if��a��n. Borr�`�er shal� a�so be responsib�e for the paym�ent flf any fees imp�sed by the Federal Emergency Management Agency �n connection with�he review of any flood zone determination resul�ing fr�m an obj ection by Barrawer. �f Borrow�r fa��s to main�ain ar��of the c��erag�� des�rib�d abav�, Lender�nay ob�a�n xnsurance c��erage, at Lender's npt��n and Borrower'� expense. Lend�r�s und�r na ab��gat�on to purchas�any par�icular��pe ar amoun�of caverage. Th�refor�, such�average sha�l ��er Lender, but might or migh�nat protec�Barrower, Borrower's equity in the Property, ar th�con�ents af the Proper�y, against any risk, hazard or�iability and migh�provide gr�at�r or lesser coverage than was previ�usly in effect. Borrower a�knaw�e�ges tha�the cos� af the insurance co�erage sa ob�ained might significan�ty exceed the c�st af�nsurance tha�Bnrrawer cau�d ha�e ob�ained. Any amaun�s disbursed by Lender under this�ection 5 shall become addzt�ona� d�bt�f B�rrower secured by th�s Securi�y �ns�rument. These amoun�s sha�� bear inter�st at the N�te rat�from the date of disbursemen� and shall be payab�e, with such int�rest, upon noti�� fr�m Lender�� Borr�wer r�quest�ng payment. NEBRASKA-Singi��amiEy-Fanni�Ma�IFred[ii�Mac UN��DRM INSTRUM�NT Fvrm 3Q28 il�l VMP� VMPfi{NE}{13D2} Walt�rs Kluwer FinanGial Ser�ices Page fi vf 17