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201209436 required by RESPA, and Horrower shall pay to Lender rhe amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 mon[hly payments. Upon payment in full of all sums secured by this Security Instnunent, Lender shall promptly refund to Borrower any Funds held 6y Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Securiry Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items aze Escrow Items, Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly dischazge any lien which has prioriry over[his Security Instrutnen[unless Borrower: (a)agrces in writing to the payment of the obligation secured by[he lien in a manner acceptable ro Lender, but only so long as Borrower is performing such agreement; (b)contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings aze wncluded; or(c) se�ures from[he holder of the lien an agrcement satisfac[ory[o Lender subordinating[he lien ro this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain prioriry over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within ]0 days of the date on which thaz notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in[his Section 4. Lender may require Borrower to pay a one-time chazge for a real estate tax verification and/or reporting service used by Lender in connection with this L.oan. 5. Property Insurence. Borrower shall keep the improvements now existing or hereafter erecte�on the Proper[y insured against loss by fire, hazards included wi[hin the term "extended coverage," and any other hazazds including, but not limited to, earthquakes and floods, for which Lender requires insurance. 71tis insurance shall be maintained in the amoun[s (including deductible levels) and for the periods ttta[Lender requires. What Lender requires puisuent to the preceding sentences can change during the term oF the Loan. The insurance carrier providing the insurance shall be chosen by Boaower subject to Lender's right to disapprove Borrower's choice, which right shall no[be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certification and uacking services; or(b)a one-time chazge for flood wne determination and certification services and subsequent charges each time remappings or similaz changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Bortowet fails ro maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation[o purchase any particulaz type or amoum of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liabiliry and might provide greater or lesser coverage than was previously in effect. Borrower aclmowledges that the cost of the insurance coverage so obtained might significantly exc�l the cost of insurance that Borrower could have obtained. Any amounts disbu�ed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amoun[s shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting paymen[. NEBRASKA-Si�gle Family-Fannie Mee/Fratltlie Mec UNIFOFM INSTqUMENT Farm 3028 1/01 VMP� VMPB(NEI(11051A� Wolters Kluwar Finencial Services � Paga 6 ot 17