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201201745 required by RESPA, atid Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with R�SPA, Uut in no more than 12 monthly payments. Upon payment in full of all.sums secured bv this Security Instnunent, Lender shall promptly r0fund to Borrower anv Funds held by L,ender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, chazges, fines; and vnpositions attributahle to the Property which cau attain priority over this Security Insh2unent, leasehold payxne��ts or�ound rents on the Property, if any, and Community Association Duzs, Fees, and Assessments, if any. To thz e�tent that these items are Fscrow Items, Bonower shatl pay them'rn the manner provided In SecYion 3. Borcowcr shall prompfly discharge any lien which has priority over this Security Instrument unless Bonower: (a)agrees in writing to the payinent of the obligation secured by thc lien in a manner aceeptable t6 Lendex, but onlq so loag as Borrower is perfornung such a�eemexiY; (b) contests the lien in goad faith by, or defends against enforcement af the lien in, 1ena1 proceedings whioh tn Lender's opinion aperate to prebent thc enforcement of the lien wliile those proceedings arz pending, but only untii such proceedings aze concluded; or(c) sectu'es from the holder of the lien an ageement sarisfactary to Lender subozdinating the llen to this Secwity Instrument. If Lender deternunes that any pait of the Propesty is stlhject to a lieiz wluch can attain priority over this Securit7 Instnament, Lznder may give Borrower a notice idenfifyuig the lien. Vi%ithia 10 days of the date on which[hat notice is given, Borrower shall satisfy[he lien.or take one or more oP fhe acrions set forth above in thi5 Section 4. Lender may require Borrower to pay a on�time charge for a real cstate tas verificafion andfor reporhing service Used by Lender in coimection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing ar harea£ter crected on the Property insured against loss by fire, hazards included within the term"extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Leaider requires insurance. This insurance shall be maintained in the ainounts(including deductiUle levels) and for the periods that Lender xequires. What Lender requixes pursuant to the preceding sentences can ciiange d�ing the term of flie Loav. � The insuraace cazxier providing the iivsurance shall l�e chosen by Borrowei subject to Lei�der's right to disapprove Borrower's choice, wLuch nght shall not be exercised unreasonably. Lender may reqciire Borrower to pay, in conneotion�viTh fliis Laan, either: (a) a ouGtime cl�arge for flood zone determinatian, certi$carion and traaking san�ces; or(b) a one-Cime charge for flo0d zone detenxdnation and cercification services and subsequent charges each rime remappings or siwilar cl�anges occur wtuch reasonabls�might affect such detemunation qr eertification. Bo�ower shall also be responsible far the payruent of any fees imposed by the Federal Emergeucy Management Agency in connection with the revicw of any flood zone deternuuation resulting from an objection by Borrower. If Borrower fails to maintain any of the coveragcs described above, Lencl�;r may obtain insurance wvera�e, at Lender's option and Borrower's expense. I,ender is under no oUligation to purchase any particular type or amouirt of coverage. Therefore, such covcrage shall cocer Lender, but inight or might not protcct Borrower, Borrower s equiry ui the Properiy, or the contents of the Property, against any risk, haaazd or liability and urig�rt provide greater or lesser coverage thaii u�as preciously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might siguficantly cxceed the cost of insurnnce that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become adclitional deUt of Borrov✓er secured bq this Sccurity Instrument. These amounts shall beaz interes[at fl�e Note rate from the datc of disbursement and shall be payaUle, v✓ith sucfi interest, uY�n notice from Lender to Borrower xequesting payment. NBRASKA-Sn IeFanity-FanniePd2e/ReticieMacUNIFOR\11NSTRUMENT 24400488 VMP(q` 9 Porm 3028 t/01 W olters Kluw e:Finanefal Servlces VM P6(NE)(1105) Pa9�B oi 9]