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�0120��7� required by RESPA, 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 Instruinent, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Cha1'ges; Liens.Borrower ahall pay all taxes, assesaments, chatges, fines, and impositions ariributable to the Property which can attain priority over this S�urity Inativment, leasehold paymente or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items aze Eecrow Items, Borrower shall pay them in the manner provided in 5ection 3. Boaower sball prompfly discharge any lien which has priority over this Security Instrument unless Boaower: (a) agre� in writing to the payment of the obligarion s�ured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) conte.cts 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 Lender subordinating the lien to this Security Instrument. If Lender determines that any park of the Progerty is subject to a lien which can attain priority over this Security Instxument, Lender may give Bo�rower a notice identifying the lien. Within 10 days of the date on which that notice is given, Boaower shall satisfy the lien. or take one or more of the actions set forth above in this Section 4. Lender may requine Bortower to pay a one-time chazge for a real estate tax verification and/or reporting service ttaed by Lendet in connection with this Loan. 5. Properly Insurance. Borrawer shall keep the impmvements now existing or here.after erected on the Property insured against lass by fire, hazatds included within the term "extended coverage,' and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires ineurance. This ;n�*ance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The instua.nce cazrier providing the insurance shall be chosen by Borrower subject 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 flood zone determination, certification and tracking aervices; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each tune remappings or aimilar changes occur which reasonably might affect such determination or cerfification. Bortower shall also be responsible for the payment of any feea imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the covereges described above, Lender may obtain in�.�nce coverage, at Lender's option and Borrower's expense. Lender is uader no obligation to purchase any particular type or amount of covetage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the conteats of the Property, against any risk, ha�rd or liability and might provide greater or lesser coverage fhan was previously in effe�t. Borrower acl�owledges that the cost of the insurance coverage so abtained might significantly exceed the cost of insurance that Borrowet could have obtained. Any amounts disbwsed by Lender under ttris Section 5 shall become additional debt of Bortower secured by this Security Instrument. These amouats shall bear intetest at the Note rate &om the date of diebursement and shall be payable, with such interest, upon notice from Lendet to Boaower requesting payment. NEBRASKASingla Famlly-Fennie MaelFreddia Mac UNIFORM INSTRUMENT Fortn 30281101 VMP � VMPB(NE) (1105).� Wolte�s Kluwer Financlal Servloes Pege 8 of 17