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2� 1 ��88� 1 required by R�SPA, and Borr�wer shall pay to Lender the amoun�necessary to mak�up�he de�ciency in ac�ordanc�w�th RESPA, but in no more than 1�rr�nnth�y paymen�s. IJp�n payment�n fu.l� �f al� sums se�ure�by this S�curity Ins�rume��, L�nd�r sh��pr�mp�ly refund ta Borrower any Funds he�d by Lend�r, 4. Cha�ges: Liens. Borrower sha�l pa� a�i �a�es, assessment�, charges, fines, a�d impositians a�tribu�ab�e�o the Proper�y which cazl at�a�n priflri�y�ver th�s Securi�y Instrument, l�asehold payme��s�r gra�and rents on th�Froper�y, if an�, and�ommunzty Ass�c�a��on Dues, F�es, an�Assessments, �f any. To the ex�en�tha� these��ms ar�Escrov� It��rzs, Borrovver sha��pay them�n the mar�ner pr�v�ded in Sec�xon 3. Borrower shall promp��y discharge any�ien which has pr�or�ty��r th�s Secur�ty �nstrument un��ss Borrower: ta} agrees in writing t� the payment of the ob�igat�on�ecured by the��n in a ma.nner accep�able �o Lender, �ut only so long as B�rrawer is perform�.ng such agr��ment; �b} contes�s the�ien in good faith��, �r defends aga�nst enforcement of the lien in, l�gai proc�edings which in Lender's opin�on aperate to prevent the enforcement of th��en�rhile�hose proce�d�ngs are pending, �ut anly until such proceedings are conc�uded; ar�c� secur�s fr�m the holder of�he l�en an agreement sat�sfa�tory to Lender subordina��ng the �ien t� th�s Security Instrum�en�. �f L�nder de�ermi.n�s tha�any par�of th�Proper�y is subje�t�o a��en whi�h can atta�n pr��ri�y n��r�his Secur��y �nstrument, L�nder may gi�e Borrower a nn�ice ident�fyzng the li�n, V�'i�hin x a days of th�da�e on wh�ch�ha�not�ce is g��ren, Borr�wer sha�� satisfy�he�xen or take one�r more of the a�t��ns set for�h aba�� in thzs S�ction 4. L�nder may requzre Borrnwer�o pay a anewtime charge for a r�a� esta�e tax verification andlar r�por�ing serv�ce us�d by Lend�r�n connect�on with th�s Loan. �. Pr�perty �nsurance. Barrovver sha�� keep th��mpro�em�n�s naw existing�r h�reafter erec��d�n the Proper�y �nsured against�oss by �re, hazards inc�uded w�th�n th�term "extended�a�erage," and any a�her hazards inc�ud�ng, bu�not�imited�o, ear�hquake� and f�oods, for wh�Ch Lender requires insurance. Th�s �nsuran��sha�� b�ma�n�ained in the amounts �incluc�ing deductible leve�s� and for the peri�ds�hat Lend�r requires. VL�ha� Lender requ�res pursuant to the preceding sentences can change during the term of the Loan. '�h��nsurance�arrier provid�ng�he insurance sha��be chosen by Borr�wer su�ject�o Lender's rzgh��a ��sapprove Borr�wer's ch�icey �h�ch rzgh�sha�� not be exercised unreasonab�y. Le�.der may r�quire Borrou�er to pay, �n c��ec�ian with thzs Loan, �ither: �a} a one-�xme charge for��ood zon�determinat�an, �er�if�ca�ion and track�ng ser�vices; �r�b} a o�e�time charge far flo�d zone�e�ermination and�er�if�cation ser�ices and subsequent charges each��me r�mapp�ngs�r�imi�ar chang�s�c�ur whiCh r�asonab�y might affec�such determinati�n�r cert�f�ca��n. B�rro�ver shall als�b�resp�nsib�e for the paymen�flf any fees imposed b�r the Federal Emergenc� Manag�ment Agency �n�onn��ion�v�th t��re��ew af an� f�oad zone determ�aina��n resul�ing fr�m an obj ection b�Borro�v�r. �f Barrower fai�s�a ma�ntain any�f th��erag�s described above, Lend�r may abtain insurar�.�e COWerage, at L�nd�r's�ption and B�rrower's expense. L�nder �s under n�o��gation to purchase any�art��u�ar typ�ar amount of coverage. Theref�r�, such coverage sha�� cov�r L�nder, bu�might ar migh�nnt prate�t Borr��ver, B�rr�vver's equi�y in�he Property, ar�he contents�f�he Prnp�rty, aga�ns�arty risk, hazard�r��ability and mi�ht provzd�greater or lesser coverage�han was prev�ousl�r �n�ff��. Borraw�r acknaw��dges tha��he�ost of�he�nsurance coverage so��tained might significant�y exceed th��os�of�nsurance that Borrower cou�d ha�e ob�ained. An�r amounts d�sbursed by Lender under�h�s 5��on S sha��become additional debt of Barrower secured by�his 5ecuri�y Instrum�n�. These arrzounts sha��bear�nteres�a�the No�e rate from the dat�flf disbursemen�and �ha��be payab�e, with such�n�ere��, upan no��fr��n Lender to Borro�ver requ�s�ing payxnen�. NEBRASKA-Single Family-Fanni�Ma�IFrecfdie Mac UNIF�RM INSTRUMENT �arm 3�28 11�1 VMP� VMPfi�N��t�302) Wvlters Kluwe�Financiai Ser�i�es Page B of 17