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201207510 required by RESPA, and Borrower shall pay to Lender the amount necessazy to make up the deficiency in accordance wiCh RESPA, but in no more than 12 monthly payments. Upon payment in fi�ll of al1 swns sec�sed by this Sec�sity Instrument, Lenda sha11 promptly refund to Borrower any Punds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and unpositions attributable to the Proper[y whicl2 caai attain priority ovcr this Security Instrument, leagehold payxnents oi ground xents oa the Property, if any, and Comtminity Assoei.ation DLies, Fees, and Assessments, if any. To the extent fhat thege items ace Escrow Items, Borrower shall pay them in the inannex pro��ded in Section 3. Borrower shall promptly dischazge any lien which has prioricy over this Security Instrument unless Borrower: (a) agrees in writing to the payment oP thc obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performmg such agreement (b) eontests the lien in good faith by, or defends against enforcement of the]ien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, Uut only until such proceedings aze concZuded; or(c) secLues from the holder ot thc lien an agreemenC satisfactory to Lender subordinating th� lien to this Securzty InsYrumert. lf Lender detesmiues that avy pazt of the Property is subject to a]ien which can attain priority over this Security Instrumextt; Lender may give Borrov✓er a nolicc identifying the lien. �Vithin 10 da5�s of the datz on which tha[noticc is given, Borrower shall satisfy the iien or take one or more of the aclions sct forth above in this Section 4. Lender may require Borrower to pay a one-rime charge for a real estate tax verification and/or reporting service nsed by Lender in connedion with this Loan. 5. Property Insurance. Borrower shall keep the improvexnents no�v existing or haeafter erccted on the Property insured against loss by fire, hazards included within the term"extznded coverage," and a�ry other hazards iucluding, �ut not limited fo, earthquakes and floods, for wluch Lender requires insurance. This insurance shall b0 maintained in the ainounts (including deduchble]evels) and.for the periods that Lender requires. What Lender requires pursuan[to the przceding sentences can change during the Cenn of the Loan. The insurance carrier providing tlie insurance shall Ue chosen by Borrower subject to Lender's rip�t to disapprove Bosxower's choice, whieh rlglit shall not be ex�cised unreascauably. Lznder may require Borrower to pay, in conneclion with this Loan, cither. (a) a on�time chargc for flood zoae detennination, cemficarion and tracldng services; or(b) a on�time charge for flood zone determinatian and certification seiv�ces and subscquent charges each time xemappings or s'vnilaz changes occur which reasonably might afFect such detern�inalion�r ccr[ification. Borrower shall also Ue responsible for the payment of any fees unposed by the Federal Emergency Managcment Agency in connection with the review of any flood zone determination resulfing froui au objcction Uy B�rruv,�er. If Borrower fails to maintain any of ihe covcrages described above, Lender inay obtain insurance covcrage, at Lender's oprion 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 protect Borrower, Borrower's equity in rhe Property, or the contents of the Property, against any risk, hazard or liability and might pio�ride greafer or lesser covezage than was previously in effect. Borrower acknowledges ttizE the cost of the iasurance coverage so obtained migh[significantiy exeeed the cost of insurar�ce that Borrower could have obtained. Any amoimcs disbursed by Lznder under this Secrion 5 shall become adclitional debt of Borro�ver secured by this Security Instrument. These amounts shall hear interest at the Nate rare from the date of disbursemem and shall be payable, with such urterest, upon notice from Lender to Borrower requesting payinent. zaoozaas NFBRASK4-SingleFamity-FannieHiaelFretltlle hiac UHIFORh1 INSTRl1MENT Porm 3028 91�1 VMP� VMP6(N�(1�05) VJolters Kluw e�Flnanclal Services Page 6 of 1]