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20120344� required by RFSPA, and Borrower 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 Instn►ment, leasehold payments or ground rents on the Properry, 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 discharge any lien which has priority over this Security Instrument unless Borrower: (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 perfornung 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 proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lencter subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subje.ct to a Iien which can attain priority over this Security Instrument, Lender ma.y give Borrower a natice identifying the lien. Within 10 days of the date on which that notice is given, Borrower sha11 satisfy tke lien or take oue or more of the actions set forth above in this Section 4. I.ender may require Borrower to pay a one-time charge for a reat �tate tax verificarioII and/or reporting servic� used by Lender in connection with this Loan. 5. Property {nsurance. Borrower shall keep the improvements now existing or hereafter er�ted on the Property insured against loss by fire, hazards included within the ternz "extended coverage," and any other hazards including, but not limite� to, earthquakes and floods, for which L�nder requir� insurance. This insuraace shall be maintained in the amounts (including deductible levels) and for the periods tliat L.ender requires. What Lender requires pursuant to the preceding sernences can change during the term of the Loan. The insurance cazrier providing the insurance shall he chosen by Borrower subje.ct to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for tIoocf zone determination, c.ertification and tracking services; or (b) a one-time charge for II�i zone determinaxion and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed hy the Federal Emergency Management Agency in connection arith the review of any flood zone determination resulting from an objection by Bonower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not pmtect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or Iiabiliry and might provide greater or lesser coverage than was previously in effect. Bonower aclmowledges that the cost of the insurance coverage so obtained might significantly exc.eed the cost of insurance that Bonower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become addirional 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, upon notice from Lender to Bonower requesting payment. NEBRASKA-Singla Famfly-Fennie Mae/Freddie Mac UNIFORM INSTRUMENT VMP � Wolters Kluwer Financial Services Form 3028 1l07 VMP6WE) (1105) Page 6 of 17 i,4 � . .