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201207 <br />required by RESPA, and Borrower shall pay to Lender the atnount 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 all sums secured by this Security Instrumemt, Lender shall promptly refund to <br />Bonower 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 pannents 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, Bonower shall pay them in the manner provided in Section 3. <br />Bonower shall promptly discharge any lien which has priority over this Security Instrument unless <br />Bonower: (a) agrees in writing to the payment of the obligation secureci by the lien in a manner acceptable <br />to I.ender, but only so long as Bonower is perforniing such agreement; (b) contests. the lien in good faith by, <br />or defeads 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 aze <br />concluded; or (c) secures from the holder of the lien an agreement saxisfactory to Le�er subordinating the <br />tien to this Securit}t Instn�ment. If Lender determines tbat aay part of ttce Progerty is subject to a lien which <br />can atta.in priority over this Security Instrument, Lender may give �orrower a notice identifying the lien. <br />�Vithin l0 days of the date on wltieh that norice is given, Borroveea s�all satisfy the Iien or take one or more <br />of the actions set forth above in this Se,crion 4. <br />Lender may rec}uire Barrower to pay a one-time charge for a reat estate ta� verification and/or reporting <br />senrice use� �ry Lender ia connecrion with this Loaai. <br />5. Property tetsurartce. Borrower shall ke,ep the improvements now e�i�,g or hereafter erected vII the <br />Froperty ins�red �ga.igst Ioss by fire, hazards included within th� terne "e�€tend�i coverage," and azcy other <br />hazards inciuding, but not limited to, earthquakes and fioods, for wrhi�h I.ender requires insurance. This <br />insurance sball be maintained ffi the amounts (including d ' Ie Ee�r�s) and for the periods tt� Lender <br />requires. �VYiat �.e�nder requires pursuant to tfie preceding s�tenc�s can change during the term of the Loan. <br />The insurance carrier providing the insurance shall be chosen by �orrow+er subject to Lender's right to <br />disapprove Borrower's choice, wluch right sha11 not be exercise,d unreasonably. Lender may require <br />Borrower to pag, in connecrion with this Loan, either: (a) a oae-time chazge for flood aone detPrni_n_a+?on, <br />certification and tr�king services; or (b) a one-time charge for ffo� zone determination and certification <br />services a� subsequent charges eac� time remappings or simitar chaages occur whicYc reasonably might <br />affect such determination or certification. Borrower shall also be respomsible for the payment of any fees <br />imposed by the Federal Emergency Management Agency in connecrion with the review of any fl�d zone <br />determinarion resulting from an objecrion by Borrower. <br />If �orrower fails ta maintain any of the coverages described al�ve, Lender may obtain insurance coverage, <br />at Lender's option and Bonower's expense. Lender is under no obligarion to purchase any particular type or <br />amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, <br />Borrower'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 effect. Bonower acknowledges that the cost <br />of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could <br />have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional 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 Borrower <br />requesting payment. <br />NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1lO7 <br />VMP p VMPBINE) f11051 <br />Wolters Kluwer Financial Services Page 6 of 17 <br />