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<br />required by RFSPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in
<br />accordance with RESPA, but in no more than 12 monthly payments.
<br />Upon payment in full of a11 sums secured by this Security Instrument, Lender sha11 promptly refund to
<br />Borrower any Funds held by Lender.
<br />4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to
<br />the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on
<br />the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that
<br />these items are Escrow Items, Borrower sha11 pay them in the manner provided in Secrion 3.
<br />Borrower shall promptly discharge any lien which has priority over this Security Instrucnent unless
<br />Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable
<br />to Lender, but only so long as Bonower is performing such agreement; (b) contests the lien in good faith by,
<br />or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent
<br />the enforcement of the lien while those proceedings are pending, but only until such proceedings are
<br />conclude�; or (c) se.cures from the holder of the lien an agre,ement satisfactory to Lender subordinating the
<br />lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which
<br />can attain priority over this S�urity Instrument, Lender may give Borrower a notice identifying the lien.
<br />Within.l0 days of the date on which that notice is given, Bonower shall satisfy the lien or take one or more
<br />of the actions set forth above in this S�tion 4.
<br />Lender may require Bonower to pay a one-time charge for a real estate tax verification and/or reporting
<br />service used by L,ender in connection with this Loan.
<br />5. Property Insurance. Borrower shall keep the improvements now existing ar hereafter erected on the
<br />Property insured against loss by fire, hazards included within the term "extended coverage," and any other
<br />hazards including, but not limited to, earthquakes and floods, for which I.ender rec�uires insurance. This
<br />insurance shall be maintained in the amounts (including deducrible levels) and for the periads that L.ender
<br />requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan.
<br />The insurance cazrier providing the insurance shall be chosen by Borrower subj�t to L,ender's right to
<br />disapprove Borrower's choice, which right sha11 not be exercised unreasonably. Lender may require
<br />Borrower to pay, in conne,crion with this Loan, either: (a) a one-tnne charge for fiood zone deternvnation,
<br />certification and tracking services; or (b) a one-time charge for flood zone determination and certification
<br />services and subsequent charges each time remappings or similar changes occur which reasonably might
<br />affect such determinarion or certification. Bonower shall also be responsible for the payment of any fees
<br />imposed by the Federal Emergency Management Agency in conne,ction with the review of any fiood zone
<br />determination resulting from an objection by Bonower.
<br />If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage,
<br />at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or
<br />amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower,
<br />Bortower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and
<br />might provide greater or lesser coverage than was previously in eff�t. Bonower acknowledges that the cost
<br />of the inc�,rance coverage so obtained might significantly exceed the cost of insurance that Bonower could
<br />have obtained. Any amounts disbursed by Lender under this Section 5 shall be,come addirional debt of
<br />Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the
<br />date of disbursement and shall be payable, with such interest, upon notice from Lender to Bonower
<br />requesting payment.
<br />NEBRASKA-Single Family-Fannie Mae/Freddle Mac UNIFORM INSTRUMENT Form 3028 1/O7
<br />VMP � VMPB�NE) (1105)
<br />Wolters Kluwer Financial Services Page 6 of 17
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