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201208791 required by RESPA, a�id Borrower shall pay to Lcnd�r the 2niomiC neoessnry to make up the deficieucy in accordazica willi RFi�SPA, but in no more than 12 monthly payments. Upon payineuC in full of all stune secured 6y ll�is Security Instrtnnent, Lendar shall promptly refitud to Rorrower�uy Fimds held by Lender. 4. ChaYges; Liens. Borrower ahall pay all taxes, assassmente, cl�arges, fines, and imposifions attribiRable Co tho I�'roparty+whioh can attaiu priority over tlus Secm'i�Tnshumenti, leasehold payments or�•ound rents oix She Propexty, if nuy, and Cominunity Associc�tiotr Dues, Fee.s, �nd Assesameuts, if any. To the extent that these iteme are Escrow Ite�ns, Rorrowor shall pay Lhe�n in the maxiner provided in SecEiom 3. Borrower shall promUtly discharge any lien wl�ich has priorily aver this Seeurity TnstrumenY uulass Borrowe��: (a) agrces in wriHng to Phe pa�ytnent of tihe oblibation securai by the licn i�3 a manner ecoeptt�ble to Lender, but only so long as Borrower is�erfonning si�ch agreeuient; (b) cantests the]ien in good't'aiih by, or defends agauisC enf'orce�nei�t of H�e lien in, legal proceedings which in Lender's opiuion operate to provc�i[ the entbreement nf thc lie��wliile those proceedings ara peuding, Unt only until such procc;edings are conc7udcd; or (o) secuxes fi om the holder of'f1�e lien an agrecn�enC satiefaclory fo Lender snbordinating�lha lien to this Security Insh'ument. If Lc;ndor detcrniines thnC Any part of the Property is subject to a lien whieh oan attain priorily over this Sccut'ity Inet'rumenC, Lender may give Botrower a notice identlfying tho lien. Within 10 da�ys of the date on which that no[iee is given, Borrower sha�ll satisfy Yhe lien or Yalcc one or inore of the actions sot fo�lh above in this Section 4. Lender may rec�uirc Borrower Co pay a one-time charge for a real estate tax verificafion and/or reporting scrvioe u0ed by Lender in connection wiUi this T,oan. 5. Propertq Insurance. Borrower shall kee�the improvcmcnts now exiufing or hereafter ereoted ost tha Property instued against los by firc, l�azards included witl�in the term"exteixded coverage," and any othor hazazds including, buf noC liiniCed to, e�rEhquakes and lloods, for which T,ender rcquires insurance. T'his insiu�ance shnll be m�intained in the ainount�s (including dcductible levels) and for t6epexiods that Lender requires. What Lender require�puryuant to thc prececting sentences cen ehAnge dm'ing the term of'the I.oatt. The iusurauce carrier providing the inst�ra�ice shall be chosen by Borrower sub,ject to l,ender's rig1�C to disapprove Rorrowcr's choioe, which righY shall not be exercised unrcanonzU1y. Londer n�ay reqture Borrower Co pay, in conncction wiYh fhis Loau, either: (a) n�no-time charge for Ilood zone daterminaYion, eeitification ancl traelcing eerviees; or(b) a one-time eharge f'or flaod zone detennina6on and eertifieation serviccs and elibseqaent charges each Ciine remappings or simi7ar changes occiu� which renaonnbly might afFect such detertnination or certification. Borrower s(iall �Iso be responeible for the paymenY of any fees imposed Uy the h ederal L�n�orgency Mtuiagement Agency in connectton with Ehe review of any floc�d zono dotcrininatiou resulting from an objecCion Uy Borrower. [f Borrc�wcr �vls i�o maiutnin nuy of tha covera�ges described ab�vc, Lcndor may obCain insurance covexage, a[Lender's op6on aud Borrower's expense. Lendcr is mxier no obligation to ptirehpse any pArtioular tiype or amount of eouer�ge. Therefore, sauh coverage sh�ll oover Lender, but miglrt or mighC not protect Borrower, Borxower's eqtiiity Tn t11c Yinperly, or the oontents of tlie Property, a�gainst any rislc, liazu�d or liability and might providc greater or lesser coverage Yhnn was�reviously in effect. Borrowcr aclm�awledge.g kh�t the cost of fhe insurance coveraga so oUtained miglrt signif canlly exoeed the oosC of insurance th�t Borrower could have obtzined. riny amounth disUurscd l�y Le��der imder this Seauon 5 shall beeome addiYional deUt of T�orrower sccarcd by tl�ris�Seonxity Ineh'tiiment. These amouufs sha11 bear interest at fl�e Nofc rnto from Che d�le of disbursementi tuid shall be pagaUle, wit1i sLich intere,�C, npon nolioe fiom Lendex to Borrower requesting payment. ---- �— --------- znoaz,toz NEBRASKA-Sin91e Family-Fannlo M nolFretl�le M ac 11NIFORI.4 INSTRUALENT Forro 3020 1101 VM P�i VM P6jNE)(11061 Wnlln�fi Kluwer Flnnnclal Servlaes Page fi o�17