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�v�� required by RESPA, and Bonower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Bonower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items aze Escrow Items, Bonower shall pay them in the manner provided in Section 3. Borrower shall promptly dischazge any lien wluch has priority over this Security Instrument unless Bonower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Bonower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proccedings aze pending, but only unril such proceedings are cancluded; or (c) secuures from the holder of the lien an agreement satisfactory to I.ender subordinating the �ien to this Secu.rity Instrument. If Lender determines that any part of t�e Progerty is subject to a lien which can attain priority over this Security Instrument, Lender may give �ormwer a norice identifying the Iien. Within 10 days of the date on which that norice is given, Borrowes s�aIl satisfy the lien or take oae or more of the adions set forth above in this 5ecrion 4. Lender may require �orrower to pay a one-time charge for a reaI estate t�xx verification and/or regorting servic� use� by T.e�der in caffiecrion with this Loan. 5. Property t�surance. Borrower shall keep the improvements now existiezg or hereafter erected on the Progsrly insured againsE loss by fire, hazards inclucted witiain the term "eartendect coverage," aad aay other hazards incIudiIIg, but not limited to, earthquakes and flo�ts, for �ar�,ich T.ender requires insv.r�nc�. '�his insurance shall l�e maintained in the amounts (including deductible Ievels) a� far the perio�s thai �.ender requires. what Lender requires pursUant to the pr�ceding sernenc� caza change during the term of the Loazc. The insurance carrier providing the insurance sha11 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 coanection with this Loan, either: (a) a one-time charge for flood zone determinarioa, certification and tracking services; or (b) a one-time charge for fiooc� zoae determination aad ce�tific�io�s servic.es and subsequent chatges each time remappings or similar changes ocxur which reasonab�y rrYight affect such determination or certification. Borrower shall also be resgoasi'ble for the paymeat of any fees imposed by the Federal Emergency Management Agency in connection with the review of any fiood zone determinarion resulting from an objection by Bonower. If Bonower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's oprion and Bonower's expense. Lender is under no obligaxion to purchase any particulaz type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Bonower's equity in the Property, or the contents of the Property, against any risk, hazard or liabiIity and might provide greater or lesser coverage than was previously in effect. �ortower aclmowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Bortower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, ugon notice from Lender to Borrower requesting payment. NEBRASKA-Single Family-Fannie MaelFreddie Mac UNIFORM INSTRUMENT VMP � Wokers Kluwer Financial Services Form 3028 1/01 VMP6INE) (1105) Page 6 of 17