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201201755 required by RFSPA, and Botrower shall pay to Lender the amount necessary to make up rhe deficiency in accordance with RFSPA,but in no more than 12 monthly paymems. Upon payment in fiill oF all sums s�ured by this Security Instrument, I,ender shall pro�tly refimd to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, a�sessmeuts, charges, fines, and impositions attributa6le to the Property wlrich can attain priority over this Secisity Instrument, leasehold payments or ground rents on the Proper[y, if any, aad Communiry Association Dues, Fees, and Assessments, if any. To the e�ent that these items are Escrow Items, Borrower shall pay them in the manner provided in S�rion 3. Borrower shall prompdy dischazge any lien which has priority over this Security InsWment unless Borrower: (a)agrces in writing to the payment of the obligation s�ured by the lien in a ma�er acceptable to Lender.but only so lang as Borrower is performing such a8rcement; N)cont�ts the lien in good faith bY, or defends against enforcement of the lien in, legal proc�dings wluch in Iznder's opinion operate to prevent We enforcement of the lien while those proccedings ace pending,bar only uatil such proc�dings are concluded; or(c)�ures from the holder of the lien au agreement satisfactory to Lender subordinat�ng the lien to this Security Insrrument. If Lender detemunes tbat any part of the Properry is subject to a lien which can attain priority over this Se�urity Instrument, Iender may g�ve�rrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower sl�all satisTy the lien or take one or more of the actions set farth ahove in this S�tion 4. Lender may r�uire Borrower to pay a on�time charge for a real estate ta�verification and/or rqwrting �rvice used by Lender in connection with tlris L.oan. 5. Property Insurence, Horrower shall keq�the improvements now existing or hereaflter erected on the Property insured against loss by fire, ha7ards included within the term "extended coverage," and any other ha�ards including, but no[limited to, earthquakes and floods, For which I.ender requires inv�,ranrP, '�S �^��*a^�P sha11 Ue maintained in the a�unts(including deductible levels)and for the periads thet Lender requires. What Le�der requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the inm„�a„ce shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised tmteasonably. Lender may require Borrower to pay, in conn�tion with Uils Loan, either: (a)a one-time charge for flood wne determination, certification and tracking services; or(b)a one-time charge for flood wne determination and certificatian services and subsequent charges each time remappings or similaz changes occur afiich reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Menagement Agency in conn�tion with the review of any flood zone determination r�ilting from an objection 6y Bonower. If Bonower fails to maintain any of the coverages described above, Iender may obtain insurance coverage, az Lender's option and Borrower's er.pense. Lender is under no obligation to purchasse azry pazticuiaz type or amount of wverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equiry in the Property, ar the contents of the Property, against any risk, hazard or liability and might provide greata or lesser coverage than was previously in effe�t. Horrower aclmowledges thaz the cast of the�na�,rn.,rP�verege so obtained might significaotly eacc�l the cost of insurance that Bamower could have ohtained. Any amo�mts disbursed by Iznder tmder this Section 5 shall become additional debt of Bortowa secured by this Security Instrument. These amoimts shall bear interest az the Note rate from the date of disbn,�,��t and sUall be payable, with such interest, upon norice from Lender to Borrower requesting payment. NEB�SKA-Sinple Femily-Fennie MeeifreCtlle Mac UNIFONM INSTAUMENT Farm 3028 1l01 ��P VMPBINE�(7105�A0 Woltars Kluwer Flneixlal Servlces Ppe 8 of 1]