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201209535 required by RESPA, and Borrower sliall pay to Lender the amount necessary to make up the deficiency in accardazice wlth RFSFA, but in no more than 12 monthly payments. Upon payment in fidl of all swns secured by this Security Instrument, Lender shall prornpfly refuttd to Barxower any Punds held by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and imposirions attribu#able to the Property wluch can attain priority over this Security Inshument, leasehold payments or groimd rents on the Property, if any, and Commmuty Associauon Dues, Pees, and Assessmerns, if any. To the extent that these items aze Escrow Iteins, Borrower shall pay them in the manner provided in Seckion 3. Borrower shall promptly dischazge any lian which has priority over this Security Tnstnunent unless Borrower: (a) agreea in writing fo tlie payment of the obligation secured by the lien in a mavuer acceptiahle Yo Lender, but only so long as Bprrpwer is perfornung such agreement; (b) contesG khe lien in �ood faith by, or defends against enforceinenf of the lien in, legal.proceed'mgs whieh in Le�lder's opinion operate to yrevent the enfarcement of the lien�vhile those proceedings are pending, but only unril such proceadings are cbnchided; or(a) secures from fli�holder of the lien ari agreement sarisfactery tQ Lender subordinatinn the lien to this Security Inscrument If L,ender deteruunes that any part of the Property is subject to a lie�which can attain priority ov�this Seeurity Instruvient, Lendex may give Bosower a notice identifying the lien. WiT.hin 10 days of the date on which fl�at norice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Bono�ver to pay a one-timc charge for a real estate tax verification and�'or reporting service used by Lender in canneetion with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the terni"extended coverage," azid any other hazazds incliuling, but not limited to, earthquakes and floods, for which Lender requues insurance. This 3,nsurance shall he maintained in.the amounfs (uicluding deductible levels) and for the periodS that Lender requires. Vdhat Lender requires pursuant to the preceding sentences can change dLuing the term of the I,oan. The insurance carrier providing the insurance shtill be chosen by Borrower subj ect to Lender's right�to disapprove Borrower's choiee, which right sha71 not be eYYercised unreasonablq. Lender may require Borrower to pay, in connection Rnth this Loan, either: (a) a one-tune charge for flood zone deternrivafion, certification and tracking services; or('b) a one-time charge far flood zone detemunaticm and certification services and subsequent charges ea.ch time remappings or sunilar changes occur which reasonably might affec[such determivation or certif cafion. Borrower sh211 also be responsible for the payment of any fees imposed hy the Federal Emergency Managzment Agenc}r in connection with the review of any flood zone determination resulting&om an objection by Borrowcr. If Borrower fails to maintain any of the coverages described above, Lcnder may obtain insurance coverage, at Lender's option and Borrower's expexvse. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but miglrt or might not protect Borrower, Boaower's eqLuty in flic Yroperiy, ar the contents of the Property, against any risk, haiard or liability and �ght provide greater or lesser coverage than was previously in effect. Bon-ower acknowledgeg tbat the cost of the ins�ance covaage so obtained might sign35ca��tly exceed£he cost of insurance that Borco�ver eouid have obtained. Any amounts disbursed by I,ender under this Section 5 shall Uccome additional debt of Borrower seeuied b�this Secisit�Instrument These ainounts stiall beaz interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Bosower requesting payment. 24002]32 NEBRASKA-Single Family-Fznnie A1aelFreddie blac UNIFORNI INSTRUM WT Form 3028 1lOt VMP� � VMP6(NE)(1105j NJolters Kluwer Fnancial Services Page 6 ot t l