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201201757 required by RESPA, and Borro�We.r shall pay to Lender the amount necessary� Co tnalce up die deficiency in accordance with RESPA, but in no more than 12 monthiy payments. Upon payment in fiill of all sums secured by tlus Security Instruuiepf, Lender shall promptly refund to Borrower any Funds held Uy L ender. 4. Charges; Liens. Borrowcr sl�all pay all taxes, asscssments, charges, fines, and impositions attributable to the Properiy which.can attaui priority over tUis Secuxity Inshum�t, leasehold payments or gxound rents on the Properiy, if any, anid Community a,ssociation Dues, Fees, and Assessments, if any. To the extent that these items are Escrow ICems, Borrower shall pay them in the maiuier provided in Secfion 3. Bon-ou�ex shall piompfly discharge aay licn which has prlority over this Secivity Iustrument unless Borrower: (a) agees fu writing to the gayment of the oUligafioA seoured by the]ien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith U��, or defends against enforcement of the lien in, 1ega1 procezdings khich in Lendex's opinion operate to prevent rhe enfarcement of the lien wNile those proceedittgs are pending, but only unti] such proceedings aze concluded; or(c) secures from the holder of the lien an a�-eement satisfactory to Lender subordinaring the lien to this Security I�istrument Tf Leuder determines that anyparY of tl�o Psoperty is subject to a]ien which can attain prionty over this Security Insh-ument Lender may give Bonower a notice identifying the lien. Within 10 eiays of the date on w1uch Yhat notice is given, Borrower shall satisfy the lien or take ona or more � of the actions set forth above in this Section 4. Lender may reqnuc Sorrower io pay a one-time chazge for a real estate tax verification and/or reporting service used by Lender in coimection with this Loan. 5. Property InsuranCe. Borrower shall keep the unprocements now existing or hereafter erected on the Propexty insured against loss by fire, hazards included within the term "extended coverage," and any oCher liazazds including, but not limitcd To, eazthquakes and floods, for which Lender requires Ins�ance. This insuraz�ce shall be maintained in 4he amounts (including deductible levels) and f'ar the partods thaY I,ender requires. What Lender xequires pursuant to the preceding sentences can ehange during the ternx of the Loan. The insurance carricr providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, v>hich ri�ht shall noC be exercised unreasonably. Lender may require Borrower to pay, in connection�vith this Loan; either: (a) a on�time charge for flooci zone detennination, certification and tracking sen�ices; or(b) a on�time charge for Plood zone determination and certification services and subsequent chazges each time reinappings or snnilar changes occur which reasonably mighf affect such determinafion or certificapon. Borrawer shall also be responsible for flre paymenY of any fees imposed bj�the Federal Emergency Management Ag�ney in connection with the review of any flood zone determinatinn resniting from an objection by Borrower. If Bosower fails to maintain any of$ie coverages descriUed above, I,ender may oUtain insurwce coverage, at Lender's oprion and Borrower's cxpense. Lender is under no obligation to purchase any particular type or amount of coverage. Thcrefore, such covzrage shall cover Lender, Uut might or might not protect Borrower; 13orrotver's equity in the Pro�crry, or the contents of the Property, against any risk, hazard or liability and aught provide greater or lesser coverage than was pre��iously in effect. Borrower acknowledges that The cost of the insurance coverage so obtaiued might siguificantly exceed the cost of ins�anec that Bortower could h�tive obtained. Any aznounts disbursc�by Leader imder this Section 5 shall become additional debt of Borroa�er secured by ttns Security Instrument. These amounts shall bcar interest at the Note rate from the date of disbursement and shall be payable, with such interest, upan noHce from Lender to Borrower reqvesting payment NEBRASKASinqleFamily-Fanniebiae'Frctifoiehlac ONIPORId INSTRUMENT 24000513 VbiP� Form 3028 t101 W olters Kluw er Financlal Services VM P6(NE)(1105) Pagz o'oi 1�