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201209534 <br /> required by RESPA, and Borrower shall pay to I.ender the amount necessnry to inake up the deficieney in <br /> accordance with RESPA, but:n no more than i2 monthly payments. <br /> Upon payment in full oP all sums secured by this Security Instr�unent, Lender shall promptly refund to <br /> Sorrower any Puads held by I,ender. <br /> 4. Charges; Liens. Borro��er sha11 pay all taxes; assessmerns; cliarges, fines, and impositions amibutable to <br /> the Fioperty which can attain priority over this Security Instrmnent, leasehold payments or�omid rents on <br /> the Property, if any, and Commimity Association Dues, Fees, and Assessments, if any. To the extent that <br /> these items are Escrow Items, Borsowex shall pay fliem in the manner provideci in Sectior.3. <br /> Borrower shall promptly discharge any lien which has priority ocer this SecLuity Instrument unless <br /> Borrower: (a) a�ees in writing#o the payment of fhe obligation seeured by the lien in a manner acceptable <br /> to Lender, but only so long ac Borrower is performing such ageeinent, (b) coniests the lien in good faith by, <br /> Qr defends against enfarcement of the lien in, ]egal proceedings whioh ui Lender's opinion operafe to preveirt <br /> the c:nforceinent of the lien while those proceedings are pending, but only until such procecdin,�s are <br /> concluded; or(c) secures from the holder of the lien an agreetnenL satisfactory to Lender subordinating the <br /> lien to this Securit}>Instrument. If Lender dete�mines that any part of the Property is suUjecf to a lien which <br /> can attain priority over this Security Instrument, Lender inay give Borrower a notice identifying the lien. <br /> �thin 10 days of the date on wluch that noUoe is b ven, Bp[cowei shall satisfy the lien or take one or more <br /> of the actions set forth above in this Section 4. <br /> Lender may require Borro�✓er io pay a onaume charge for a real estate tas verification and/or rc�orting <br /> service used by Lender in connection with this Loan. <br /> 5. Property Insurance. Borrower shall keep the improcesents no�v existing or hereafter erecied on the <br /> Pxoperiy insured against loss by STe, hazards included within the term"extended coverage," aiid aaiy ofhex <br /> hazards including, but not limited to, earthquakes and Iloods, for wl�ich.Lender requires insurance. This <br /> insurance sliall be maintained in the amounts (including deducrible levels)and for the periods that Lender <br /> requires. What Lender requires pursuant to [he preceding sentences can change during the term of the Loan. <br /> The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to <br /> disapprove Borrower's choice, w-hich right shall not be excrcised unreasonably. Lender may require� <br /> Boxrower to pay, in connection with this i.oan, either: (a) a on�rime charge for flood zone dekerminarion, <br /> certification wd �7acking services; or(b) a one-timc charge for flood zone deteavunafion and cE�-tificarion <br /> ,ervices and suUsequent cnarges each time remappings or similar changes occur which reasonably m:ghf <br /> aPfect such 3etenninarion or certification. Borrourer shall al.so be responsble for tl�e uayinent of any fees <br /> imposed by the I ederal Emergency Managcment Agency in connection�vith the review of any flood�one <br /> dctermination resulting fro�n an objection by Borrower. <br /> If Borrower fails to manrtain any of the coverages described above, Lender inay obtain insurance coverage, <br /> at Lender's option and Borrower's�pense. Lender is under no ohligation to purchase any pazticulaz type or <br /> amount of coverage. Thercfore, such coverage shall cover Lender, but might or might not protect Borrower, <br /> Borro�x�er's equity in the Property, or the conTents of the Properly, against any risk, hazard or liability and <br /> might provide greatcr or lesser coverage than was previouSly in effect. Borrower aclaiowledges that the cost <br /> cf th�insurance cove;age so obtained might signil`icantly exceed the cost of Insurance that Borcower could <br /> have ootained. Any amounYs disburscd by Lender imder tlus Section 5 shall becomne additional detat of <br /> Borrower secured by t1�is Security Instrument. These amounts shall Uaaz interest a't the NOte rate from the <br /> &1te of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower <br /> requesUug paymenY. <br /> zaaoz�aa <br /> NFBRASKASingle Family-Fannie WaelFretldie A7ac UNIPORM MSTRUMENT Porm 3028 V01 <br /> VM P('g VM P6(NEJ(1105) <br /> bVolters Kluwer Fnancial Services Pzge 6 of 1] <br />