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201211193 required by RESPA, and Bonower sha11 pay to Lender the amount necessary to make up the deficiency in accoxdance with RESPA, but in no more than 12 mantkly paymenfs. Upon payment in fiill of all s�s secured by this SeGurity Instrument, Lexidei shall promptly refund to Borro�er any Funds held by I.ender. 4. Charges; Lierts. Borrowea shall pay all taYes, assessments, chazges, fines, and impositions atuiUutable�o the Property wluch can attain priority oi�er this Seeurity Instrument, leasehold payments or ground rents on the Property, if any, and Coxnmunity Asspciation Due�, Fees, and 1lssessments, if any. To the extent that these items aze Escrow ltems, Borrower shall pay them m the manner proirided in Section 3. Borrower shall promptly discharge any lien which has priarity over this Security Insh-mnent unless Bonowa: (a) a�ees in writing to fhe paymenf of the obligation secLued by the lien in a mann� aceeptable to Lendei, but only so long as Boaower is perfurnung such agreemen�; (b) contests the fien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender s opuuon operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceeelings are concluded; or(c) secures from the holder of the lien an a�'eement satisfactory to Lencler suborduiating the lien to this Security Instntment. If Lender detern�ies that any part of fhe Property is subjeet to a lien which can attain priority over dus Security Insh-ument, Lender may give Borrower a notice idenrifying the lien. Within 10 days of the date on which tktat notice is given, Borrowex shall satisfy the$en or take ane or more of the actions set forth above in this Seclion 4. Lender may require Borrower to pay a one-liinc charge for a real estate tas verification and/or reporting service used by Lender in comiection with this Loan. 5. Property Insurance. Borrower shall keep the improvements no�v existing or hereafter erected on the Property insurzd agaiast loss by fire, hazards included within the tetm"extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels)and for the periods that Lender requires. What Lender requires pwsuant to the preceding sentences can change dLuing the term of the Loan. The insurance catrier providing the insurance sl�all be chosen by Borrower subjec4±o Lender's ri�ht to disapprove Borrowex's choice, which right shall not be exercised uvreasonably_ Lender may requ�e Borrower to pay, m connection with this Loan, either: (a) a one-time chaz�e for flood zone dctermination, certification and h-acking services; ar(b)a one-time chazge far flood zone dete�znination and certification services and subsequent charges each time reinappings or sinular changes occur which reasonably might affect such detemunation or certification_ Borrower sha11 also be responsible for the paytnent of anq fees imposed by the Federal Emergency Management Agency in connection wiCh the review of any flood zone determmination resulting from an objection by Eorrower. If Borrower fails to maintain any of the coverages described above, Lender may oUtaiai insurance coverage, at Lender's option and Borrower's expcnse. Lender is under no,obligation to purchase any parriculaz type or airiouni of coveragc. Therefore, such coverage shall cover Lender, but might or migh[not protcct Borrower, Bonawer`s equi,.+y ut the Property, or the contents of the Property, against any risk, hazazd ar liability and might provide geatar or lesser cove�age than was previously in effect Bonower aclrnowledbes that the cost of the insurance covcrage so obtained might significantly execed the cost of insurance that Borrower could haue obtained. Any amounTs disbursed by Lender under this Section 5 sl�all become addifionat debt of Borrower secured by this Security Instrument `I7iese amounts shall bear interest at the Note rate from the date of disbursemenf and shall be payable, with such interest, upon notice from Lendex to Borrower requesting payinent. 2400322� NFBRASKh-Single Family-Fxnnie M11aelFreddie Mac UNIFORAd I�STRUM 1JT Form 302B 1IOt VA4P v VMP6(NE)(1105) l^Jolters Kluvver Fnrnclai Servlce; Page 6 ot 1]