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`�� required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in " accordance wilh RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security InsCrument, Lender sl�all promptly refund to Borrativer any Funds held by Lender. 4. Charges; Liens. Borro��er sh��ll pay all laxes, assessments, charges, �nes, and impositions attributable to the Property �vhich can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Associadon Dues, Fees, and Assessments, if any. To the eartent that these items are Escrow Items, Borro«er shatl pay them in the manner provided in Section 3. Borro�ver sl�all promptly discharge Any lien which has prioriiy over this Secudty Instrument unless Borrotver: (a) agrees in ��riting to lhe payment of the obligation secured by tlie lien in a inanner acceptable to Lender, but only so long as Borrower is perFornung such agreement; (b) contests the lien in good failli by, or defends against enforcernent of the lien in, legal proceedings rvhich in Lender's opinion operate to prevent the enforcement of the lien while those procaedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreemenl satisFactory to Lender subordinating the lien to ttris Security Instrument. If Lender determines that any part of the Property is subject to a lien �vhich can attaiu priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on tivhich tliat notice is giveq Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section �}. Lender may require Borrorver to pay a one-time charge for a real estate tax verification and/or reporting seivice used by Lender in connection with this Loan. 5. Propertylnsurance,Borrower shall keep the improvements now existing or hereafter erected on the Properiy insured against loss by fire, hazards included within the term "estended coverage," and any other hazards including, but not Iimited to, earthquakes and floods, for wluch Lender requires inc�,rance. Tlus insurance shall be maintained in the amounts (including deductible levels) and for the periods tbat Lender requires. What Lender recjuires pursuant to flie preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Bonower's choice, �vluch right shall not be exercised unreasonably, Lender may require Borrower to pay, in connecdon with tlus Loan, either. (a) a one-time charge for flood zone determinaxion, certification and tracking services; or (b) a one-time charge for flood zone determination and certi�cation sezvices and snbsequent cl�uges each time remappings or similar changes occur which reasonably might affect such deternunation or certificalian Borcower shall also be responsible for the payment of any fees imposed by the Federal Emergency 1VI�lnagement Agency in c�nnection with the review of any flood zone deternunation resulting from an objection by Borro�ver. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance covera$e, At Lender's option and Borro�ver's expense. Lender is under no obligation to purchase any particulaz type oz arnount of coverage. Therefore, sach covezage shall cover Lender, but might or miglit not protect Borrower, Borrower's equity in the Property, or the contents of the Properiy, against any risk, l�azard or liabiliry and might provide greaYer or lesser coverage thfut was previously in effect. Bonro�ver acknowledges tUat the cost of the znsurance coverage so obtained might sigrrif cantly eacaed the cost of insurance tl�at Borro�ver could have obtained. Auy amounts disbursed by Lender under this Secdon 5 shall become additional debt of Borrower secured by tlus Security Instrument. Tliese amounts shall bear interest at the Note rate fxom the date of disbursement and shall be payable, �vith sucli interest, upon notice from Lendar to Borrotivez requesting paymen� NEBRASKASlnB�e Famlly-�ennle MaefFreddle Mec UMFORM IN3TRUMEN'f Form 30281f01 VMP � VMPB(N� (110� �0 Wolters Kluwer Flnanolal Servic�s Page e aP 17