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201208227 required by RESPA, aud Bon�owcr s6a11 pay tp Lender the amount necessary to mal<e up tha defioiency in accordauco with RESP?,, but in no more thfln 12 monthly payments. Upon payment in full oP all sums secured by this Seourity Instxument, Lender shall promptly rofund fo Borrower any Funds held by Lender. 4, Charges; Liens, Borrower sha[I pay all tcu�es, assessments, charges, fines, aud in�poaitions attrlbutable to the Property whieh can attain priority over this Security Instrument, loasahold paymenYs or ground reuts on the Property, if any, a�id Community Assoclafion Dues, Fees, and Assessments, if 1ny. To the extent that these items arc Esorow ltems, Boirowor shall pay them in the mannex provided in Section 3. Aorrower shall promptly discharge any lien which has priority over this Seourity Instrttment unless Borrower: (a)agrees in writing Yo tha payment of the obligation secured by the lien in a manner aceeptable Yo Lender, huY only so long fls Borrower is perfornung sucli agrecment; (b}contests Yhe lien in good faith Uy, or defends ag¢inst euforcement of the lien in, legal proceedings which in Lendex's opinion operata to prevent the enforcement of tlie lieu w6ilc thosa prooeedings are pending, but anly unfil such proceedings aze concluded; or(c) secures ftom the holder of the lien an agreement satisfactory to Iaeiider sabordinating the lien to Yhis Security Instxument. If Lendar determines fliat any parC of tha Vroperry is subject Yo a lien whicl� can attain priority oveL this Security Insh ument, Londer may give Borrower a notioe idantifying the lien. Withiu 10 days of the date on wliicli Ehat notice is givan, Borrowet shall satisfy fhe lien or take one oc�more of tlle actions set forlh above in this Seption 4. Lender may require Borrower to pay a one-time charge for a renl estate taac verification ai7d/or repoztirtg sorvicc used by Lendor in conneotion with this Loan, 5. PYoperty Insuranee. l3ocrower shall keep the improvemeuts now existing or hereafter erected on the Property insured against loss by fire, h�zards included witliin tlie term "exfendcd coverage," and any other haz2rds including, but not limited to, earthqualces and floods, for which Lender requires insurance. This insurance sl�all be maintained in ttie auiomiCs (inclading deduetible levels) and for fhe pariods that l,euder requires. Wl�at Lender requiros pursuant to the preoeding sentences oan ehange duruig the Yerm af the Loan. The insurance parrier providing the insurnnce shall be chosen Uy Borrower subject to Lender's right to disapprove Borrower's choice, whicli riglrt sliull not bc oxcrcised unreasonably. Lender may require Borrower to pay, in con000t(on with this Loan, either: (a) a on�tiiue chazge for flood zouc doEar�ninatioii, certifioation and tracicing services; or (b) a one-time charge for flood•r�one dclermination and cextification services and subsequent cliarges each time remappings or siinilar changes occur whioh reasonably migl�t at�"ect such detarminatiou or cerYifieation. 8orrower shall also be responsible for the payment of any fees imposed by the Fedcral Emcrgency Management Agency in comiection with ths review of any flood zone detennination resiilting from an objeetion by Borrower. If Borrowcr Pa[ls to maintain any of Yhe ooverages described above, Lender may oUtain insurance roverage, at Lender's option and Borrower's expense. Lenderis under no obligation to purchase�ny pnrticular type or nmount o£coverage. Tlierefore, such coveragc shall cover Lender, but might or might not protect Borrower, Borrower's equity in fhe Propcily, or the contenYs of the Pxopa��ty, agaiust auy risk, liaracd or liability and might provide greater or lesser covernge than was previously in effecC. Borrower acknowleclges tliat the oost of the i��suranoe ooverage so obtaiued might signifloantly axcocd the cost of insurance that Borrower could haue obtained. Any tunounts disbursed lay Lendc� under this Seotion 5 shall become additional dcbt of Bonower secured Uy tlus Security InsCrument. These amoiuits sho11 bear interest at the Notc A'aCe from the date oFdisbursemcnt and shall be payable, with such interest, upon notic�from I,ander to Borrower requesting payment. x400zaza NEBMSKA-Single Femlly-Fannie MaelFradtlla Mec UNIFORM INSTRUMENT Form 3028 1101 VMP @ VMPfi(N�(1106) Woltor¢Kluw r.�FlOanciql 3orvions PaBe 0 0(1]