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20�2o��s4 required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the de�ciency 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 prompfly refund to Bonower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributa.ble to the Properiy which can attain priority over this Security Instrument, leasehold payments or ground rents on the Properly, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items aze Escrow Items, Borrower shall pay them in the manner provided in 5ection 3. Bonower shall promptly discharge any lien which has priority over this Security Instrument unless Bonower: (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 Borrower is performing 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 sa.tisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Bonower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender ma.y require Bozrower to pay a one-time charge for a real estate tax verif'zcation andlor reporting service vsed by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fue, hazazds included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires instuance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires piusuant to the preceding sentences can change during ttce term of the Loan. The insurance carrier providing the insutance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, wluch 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 deternnination, certification aud tracking services; or (b) a one-time charge for flood zone determina.don and certification services and subsec3uent charges each time remappings or similar changes occur which reasonably might affect such determination or certif'ication. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determinadon resulting from an objection by Borrower. If Bortower fails to maintain any of the coverages described above, Lender may obtain �nc��*ansp 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 utight not protect Borrower, Bonower's equity in the Progerly, oz the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage tha.n was previously in effect. Borrower acl�owledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall hecome additional 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 Borrower requesting payment. NEBRASKA-Singla Family-Fennie MaelFreddia Mac UNIFORM INSTRUMENT Form 3028 1l01 � � VMPB(NEl (110b).00 WoPoew Kiuwer Firmrtcial Services Paga 6 of 17