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201210454 rcquired by RESPA, anci BorroWer sliatl pay to Lender the aanount necessety to mnke up the de$ciency in accordnnce with RLSPA, buC in no more ihan 12 monthly payments. Upon pa}ment in fall oP n11 sums secured by this,Sa;urity h�strument, Lender shall promptly refutad to Borrower aiiy Pundg held by Lender. 4. Charges; Liens. Borrower shall pAy all tnxes, assessmeuts, oh�rges, CineF, and iinpositioi�s am iUutable to Uie Vroperty which can attain priority over tihis Security InsYrument, leasehold payments or grounci rent�on 11ie Property, iP any, anQ Comimu�ity Association Daes, Pees, azid AssessinenYs, if any. To the extent that these ikems t�re Eserow Items, I3orrower shall pay Chein in Lhc inanncr provided in Section 3. Borrower shall p�amptly discharge any 7ien which bas }�riority over this Security InstirumenY unless Bo��rower: (a) agraes in wriYing�Yo the p�yinent o£the obligation�secured by the lien in a nianne�� acceptahle Eo Lender, but onlp so long as Borrower is perionning such agreement; (b) contests the lien in good Pnith by, or dofcnde agaiusC enforcc�nent of the lien in, legal proceedings wliicl�in Lender's opinion operata Co preventi the en£orceme�it of the lien while thoae prooeedings are pending, buC only until tiuch procecdings are concluded; or (c) secures f'rom tlie holder of the lien an agreement e�tisf�ctory to Lender subordinnting the lien to this Socurity h�str�unent. ]f l,ende�� deterniines that any part of the Property is subjecti to a lien which can aftain priority over khis Security H�etrmi�cnt, Lender may givc Bo�row�n a noticc identifying flxe lien. Within 10�days of the date on wkrich that notice is given, Borrower shall eatisfy Che lien or lake one or more of tha actions sat f'orth above in tlus Section 4. Lender mny require Barrower to pay 2 one-time charge for n renl estate tax verificatioii and/or reprn�ting service used by Lender in coimectioii with this Loan. 5. PraperCy Insurance. Borrower shflll keep Yhe improvements now esiatiug or hereafter erected on the Properry inew•ed against loss Uy fire, hazards inclLtided wit1�in the term"extended coverzge," and any otiher haz�u�cls inclixding, buC not luniCed Co, earthe�nakes and �floods, for whioh Lender rec�uires insuranco. This insurance sha11 be mzintvned in the unounts (inoluding deductible levels}and for the periods Chnt Lender requires. Whaf Lcndcr rcquires pursuant to the precedinb sentences can clxange durin�the term o1 tihe Loau. The inauranca cnrrier providing the insuranoe shall be chosen by Borrower snUjcot to Lcndcr's right fo disapprove Borrower's choice, which right shall not be exercised unrenaonably. Lencler may require Borrower to pay, in comiection witl� this Loan, eiGier: (a) a on�tiine eharge f'or flood zone determniation, certificn�fion and h�acking setvioes; or(1�) a one-time charge Lor fluod zonc dctonnination and ceekification servicea uid subsequeut chargas each time remappinge or aimil�r ehnuges occiv which re��sonably migl�4 affect sucl� deter mination or certificatlon. Borrot*�er sha11 also be responaiUle fox the paymeut oP any fees im�osed by the Federal L�i2�urgency Manxgcment Agency in connectiou wit�h the review of uiy flood zone determination resulting from an objection Uy Borrower. IPEorrower fvle to maintain any of Che covereges deaoxibed above, Londer may oUtain insareu�ce coverage, at l.endcr'a option aud Borrower's expense. Lender is undar no obligation to purchnse nny�arficular type or amounC of coverage. 'Thcrcforp, such covaragc shall cove��Leuder, but might or might not proYect Borrower, Borrower'e equity in the Property, or the conCents of Lhe Property, aga'rnst any rielc, hazaa'd or 1taUiliCy and might provi<le g�reaYer ar lesaer covern�e than wAs previously in eLfecC. Bon�owcr acla�owlcdges tl�at the cost of flie insnrauce coveraga so obtauied might signi�ic�nCly �xceed the cost of inauranoe lhat Borrowcr coLild hav�oUtaitted. A�ry amoLtuts dieULused by Lender ttncier this Seetion 5 shatl beeome adclitional debC of Bon�ower secureci by this Sccurity instrumcnt. "fhese ainoimts sha11 Ueax interesti at the ATote rate fi•om the date oP disbursement and shnll be pnynble, with suoh interesk, npon notice from Le�ider to Borrower requesting paytnant. �' � 24002996 NEBRASICkSingle Fam Ily-Fannle M aelPYeddia M ec UMFORN�INSTRUM CNT Form 3028 1l01 VM P 6}1 VM PB(NE)(71�6) WoHare Kluwer Finnnalal Servloea Page 6 of 17