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201208476 required by RESPA, and Borrower shall pay to Lender the unount nccessary to make up the deficicncy in accordance with RESPA, but in no more t[ian 12 m4nthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all taYes; assessments, charges, fines, and impositions amibutable to flic Proper[y�vhich can attain priority over this Security Insh-ument, leasehold payments or ground rents on the Property, if any, and Coiwnunity Assoclation Dues, Fees, �d Assessments, if any. To flie extent Chat these items are Escrow Itetns, Bonower shall pay ihein in the inanner protridul in SeeYion 3. Borrower shal;proinptly discnarge any lier.which has pr;oriry over tltis Security Iastnw-ient unless Borrowcr: (a) a�n ees in writing to the payment of 4he obligafion secured by the�en in a manner acceptab:e to Lender, but only so long as Barrower is perfornwig such agreement; (b) contesis fhe lien ir.good fait�h by, or defends against enforcemeat of the lien in, ]cgal proceedings which in Lender s opinion operate to prevent the enforcement of the lien while those proceedings arc pending, but only until such proccedings are conchided; or(c) secures from the holder of the lien an ageeinent satisfactory to Lender subordinaling thc lien to this Secuiity Ins[rument. if Lender deteru�ines that any part of tfie Property is stil.�j ecf to a lien whioh can attain priority over this Security Instrmnent, Lender may give Borrower a nolice idc�rtifying the lien. Within 10 days of the date on which that notice is given, Bouower shall satisfy the lien or take oae or more of the actions set forth above in this Section 4. Leader may reguire Borrower to pap a on�tune charge for a real estate tas verification and/or reporting service used by Lender in connecrion witi�this Loan. 5. Property lnsueance. Borrower shall iceep the unprovements now e�sting on c�reafter erected on the Property insured against loss hy fire; hazards included within the term"extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requues insurance. '(�is insurance shall be maurtained In f,he azriounts(inclndmg deductiUle levels) and for theperiods that Lender requires. What Lender rcquires piusuant to the preceding sentences can change during the term of the Loan. Tue insurauce carrier providing the insurance shall be chosen Uy Borrower subject to Lender's right to disapprove Borro�ver's choice, �vhich rigl�t shall not be exercised unreasonably. Lendzr may require Bo*rower to pay, in coanecrion with this Loaq eithcr. (a) a one-tune charge for flood zone determivation, certificaiion and tracking scrvic�,s; or(b) a one-tune charge for flood zone determination and certification services and subsequent charges each time remappings or sunilar ciianges occur which reasonably might aLect sucfi de[ernunation or certification. Borrower shall also be responsible for Yhe payment of any fees imposed by the Federal Emergency Maaagement Agency in connection with tlie review of any flood zone dctcrnuuation resulting from an objcction by Borrower. If Borrower fails to maintain airy of the coverages described above, Lender may obtaui uisLuance coverage, at Lender's option and Borrower's expense. Lender is mider no oblination to purchase any p�rriculaz type or amount of coverage. Therefore, such cover3ge shall co��:�endea, b'ut uught or might not protect Borrower, Borrower's equi'ty in the Properiy, or the cpntents of the Properiy, against any risk, harard or liability and might pro�ridz greaYer or lesser coverage than was previously ir.effect. P,orrower acicnowledges that the cost of Yhe uvurance coverage so obtained migl�t significantly exceed the cost of ins�ance that Borro�oer coui.d have obtained. Any amounts ciisbursed by Lender under this Secuon 5 shall become additioual debt of Borrower secured by this Security Instruwcnt. These amounts shall bear interest at the Note rate froni the date of disbursement and shall be payable, with such interest, upon notiec from Lender to Borrower requesting payment. zaooz<io N�RASKA-Single Famity-Fannie MaelFretltlie Mac UNIFORA7 IN57RUM BdT Potm 3028 tl�i "h1 P� VPd P6(NE)(1�OS) N�oliers Kluw er:mancial Sxrvices Page 6 of'I]