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201207417 required by R�+SPA, and Borrower shall pny to Lender Uie atnount necesaary fo make up thc dcfioicn�cy in accorclance�vith RFSPA, Uut in iio more than 12 montlily payments. Upon payment in fiill of all suma securul by this Secuiiry Instrnment, Lender ahnll proinp�ly re�fund to Borrower �ny Punds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessme�iYs, charges, finea, Aud iinpositiona nttributaUle to the Property which eui atCaiii priociCy over thie Sectuitp Institiunent, leasehold payinants or ground rants on flie Property, if v�y, aa�d Commw�ity Association Dtiies, Necs, and Assossmc��ts, if any. To tlie extent thaC Cfiese items are L+scrow Items, Borrower shall pay Chem in the inanner�rovicied in SecCioti 3. Bon�owcr sh�rll promptly discharge any lien whioh haa priorily over this Secturity InsLrim�enCunless Borrower: (aj ag'ees in�*n iting to the payuieuf of the oU1igntion secured by t1�e lien in a manner acceptaUle to],andoe, but�mly so l�mg as Borrowor is perPorming snch agreeinenC; (b)oonfests th�e licn in good faith by, or defends ngainst enforcement of the lien in, legal proceedinge whioh in Lender's opinion operate to prevent the enforcement oP the lien while those proceedings ara pending, but only watil suoh�eoceedings are concludecl; or(c)secures fi'oin Uie holder of the Iien an agreement satisfactory to LendeL suUordinating the lien to this Security I�istrume��t. If Le�idar dete�mincs Chat any�art nf thc Yroperty is stiibject to a lien wl�idi can attain priority ovor this Securily Instr�imenL, Leader n71y give Borrower a noliee identifying ��he lien. Witl�in 10 days of the date on which Eliat notice ia given, Barrower shall setiafy the lien or take one or more of Yhe actions sat 'Forth aUove in this Sectiion 4. Lender inay require Borrower to pay a one-tiine cha��ge for a re21 estate tnx veritication and/or reporting se�viceti�sed b}�Lendor iu coui�ection with tivs Loan. 5. Prope�ty Insuran¢e. Rorrower s1�a11 Iceep the improvonionts now cxistiiTg or hereafter erected on the Property insurnd againet loes by fire, h�aards inchided within 11ie fern� "extended coverage," and a�ny o6hcr hazaxds including, but not limited to, ecuthquakes Aucl floode, Por which Lender requires insuranoe. This insuranca sh�ll be maintained ixi the amounts (including deductibla levels)aud for the perioda Hint Lender requires. What Lender�requires putsuvil to lhe prececiiub sentences can change during the term of the Loan. Cl�c iiisurance carricr providing thc in�urance shall be cho�en by Borrpwrn'subjcct to�Lcndar's rigl�t to disapprove IIorrower's choice, which right sti111 not Ue exei•cised umeasonably. Leuder may require Borrower to yay, in connectioi2 With thie Loan, either: (a.) a one-time cl�arge fnr�Plood zone determinaYion, oei�ificntion and aneking services; or (l>) � onaNme akz�rge for flood zone determinetion nnci certific�Cion sarvices aud suUsequent charges each time remappings or e'vnilar changes occm wluoh reasonably might affcct s�wh dctermination nr ecrtification. Borrower ehall also 6e responsiblo for tho payment of any fees impoaed liy the Pedexal Emergency Man�gement Agency in connectian with the review oP u�y�flood zonc datermivation resultnig from a�i objaction by Borrower. Tf Borrower fiuls to maintain any of the cover�gee describecl above, Lender mny obenin insuranoe coverage, at Lendar's opCion and Borrower's expense. Lender is under no oUligation to pu��chase any putioul�u�type or ainoLint of coverage. "fhcrcfore, such coveiaga sl�all oovcr Le��dcr, Uut mig1it or might not protiecti Borrower, Borrower's equity in Che ProperCy, or the conCen6�s of the Property, againsl any riak, hazlyd or liability end inight provide greater or lesser coverzge than was previously in effect. Borirower aclrnowledges that fhe oost aF the instiu'ance covernge so obtained mig�t si�ii6cazrtly exceed the cost of insurance thAt Borrowes could hflve obCained. Any�moimhs disbm�sed 6y Lender under lliis Seetion 5 shall becoino aulditional debt of Borrower secured by thie SecLuity TnsYrument. These�unounYs shnll Ueas interest at the Note raue fron7 the date oF disbwsement and sha11 be payaUle, wiCh sucli interest, upon uotice fi om Lender to Borrowec reque�ting paytnent. 24002063 N@RASKA-Sin�lc Famlly-Fannic bl ac(FrcJdlo M nc UNIFORM INSTRUM F.NT Form 302� 1701 VM17 P;� Vh1 P6(NE)(1105) Wollars Kluwer financlal Services Pa90 6 of 17