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201200927 rcquired by RESPA, and Honower shall pay to Lender the amount necessary to make up the deficiency in accordance wi[h RESPA, but in no more[han 12 monthly paymen[s. Upon payment in full of all sums secured by khis Security Instrumen[, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taYes, assessmenrs, chazges, fines, and imposi[ions amibutable to the Property which can attain priority over this Security Ins[rument, leasehold paymenu or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent tha[ these items are Escrow Items, Borrower shall pay them in the mamier provided in Sec[ion 3. Bonower shall promptly discharge any lien which has priority over this Securiry Instrument unless Borrower: (a) agrees in writing to the paymen[of the obligation secured by[he lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreemenr, (b) con[eszs[he lien in good faith by, or defends agaiast enfomement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcemen[of the lien while those proceedings are pending, but only until such proceedings aze co�cluded; or(c) secures from the holder of the lien an agreement satisfactory to L.ender subordinating the lien to this Security [nsuument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a no[ice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower[o pay a one-[ime charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafrer erected on[he Property insured against loss by fire, hazards included within the term "ex[ended coverage," and any other hazards including, but not limi[ed to, earthquakes and tloods, for which Leuder requires insurance. This insurance shall be mairnained in the amounts(including deductible levels) and for the periods that Lender requires. What L.ender requires pursuant to the precetling sen[ences can change during the term of the Loan. The insurance carrier pmviding the insurance shad be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-[ime chazge for flood zone determination, certiFication and tracking services; or(b)a one-time chazge for flood wne determination and cenification services and subseyuent charges each time remappings or similar changes occur which reasonably might affect such detertnination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection wi[h[he review of any flood zone determination resulting from an objec[ion by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insuraace coverage, at Lender's option and Borrower's expense. Lznder is under no obliga[ion to purchase any particular t}pe or amoun[of wverage. Therefore, such wverage shall covet Lender, but might or might not pro[ect Borrower, Borrower's equity in the Property, or the coments of the Properly, against any risk, hazard oi liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by L.ender under this Sec[ion 5 shall become additional debt of Borruwer secured by this Suurity Instrumen[. These amounts shall bear in[etest at the Note rate from the date of disbursement and shall be payable, with such interes[, upon notice from Lender to Borrower requesting paymcnt. NEBFASKA-Single Family-Fanme Mae/Fredtlie Mac UNIFORM INSTFUMEPfT Porm 3028 1 Nt VMP� VMP61NE1 111051.00 Wolters Kluwer Financlal Services Pape 6 of 1�