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201211196 <br /> required by RESPA, and Borrowei shall pay to Lender the amount necessary to make up the deficiency in <br /> accordance wrth RESPA, but in no more than 12 �onthly payments. <br /> Upon payment in full of all sums secured by this Seeurity Iastnunent Lender shall promptly refimd to <br /> Borrower any Funds held by Lender. <br /> 4. Charges; Liens. Bonower shall pay all taxes, assessments, charges, fines, and 'unposirions attributable to <br /> the Property which c�attain priority ovar this Security Instrument, leasehold pa}nnents or 2round rents on <br /> the Fzoperry, 3f any, and Community Assoeiation Dues, Fees, and Assessments, if any. To the extent tkiaC <br /> these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3. <br /> Borrower sflall promptly dischaz-ge any lien which has priority over this Security T���nent unless <br /> Borrower: (a)agrees in writing to the payment of the obliga6on sec�sed by the lien in a mannez acceptable <br /> to Lender, but only so long as Borrower is perfomuug such agreeme,nt; (b) contests the lien in good faith by, <br /> or dePends against enforcement of Lhe licn in, legal proceedings which in Lender's opuiion opera#e to prevent <br /> the enforcement of the lien while fhose proceedings are pending, but onlq until such groceedings aze <br /> wncluded; or(c) secures from the holder of the lien an agreement safisfactory to Lender subordinating the <br /> lien to flus Security Instnunent If I,ender determines that any part o£the Property is subj ect to a lien which <br /> can attain priority over tlus Security Instruuient, Lender may give Borrower a notzce idenrifying the lien. <br /> Within 10 days of the date on which that nogce is givan, Borrower sfiall satisfy the lien Or take oae or more <br /> of the acrions set forth above in this Sectian 4. <br /> I.ender may require Borrower to pay a onatime charge for a real estate taz verification and/or reporting <br /> service used by Lender in connection with this Loan. <br /> 5. Property Insurance. Borrower shall keep the unprovements now eusting or hereafter erected on the <br /> Property insured against loss by fire, hazazds included within the tenn"extended coveiage," and any other <br /> hazazds including, but not limited to, earthquakes and floods, for which Lender requires insurancc. This <br /> insurance shall be maintained in the amounTs(including deductiUle levels) and Por tlie periods that Lender <br /> requires. What Lender requires pursu�t to the precedaig sentences can change during the t�m of the Loan. <br /> The insurance carrier providing the insutance shall be chosen by Boxrower subject to I,ender s rigpt to <br /> disappmve Borrower's choice, which right shall not be�ercised unreasonablq. Lenda may requre <br /> Borrowet to gay, in connection with this Loan, either: (a) a on�i�me charge for flood zone determinatron, <br /> certificarion and tracking services; or(U) a one-time chazge for flood zone detenninarion and cerp.fication <br /> services�nu subsequent cl�arges each time remappings or similaz changes occur which reasonably inight <br /> affect snch determination or certification. Borroa�er shall also be responsible for the payment of any fees <br /> imposed by the Federal Emergency Management Agency in cormection with flie review of any flood zone <br /> deternuuation resulting from an objection by Eorrower. <br /> If Bqirowee fails to mairrtain y�y of fl�e coverages desexibed above, Lender may obtain insurance coverage, <br /> at Lender's option and Borrower's espense. I,ender is under no obligation to purcl�ase any particular type or <br /> amount of coverage. Therefora, such coverage shall cover Lender, but uught or inight not protect Borrower, <br /> Borrowei's equity in the Property, or the contents of the Properly, against anv risk, hazard or liability and <br /> might provide geater or lesser coverage than was prcviously in effect Borrower aclmowledges that the cost <br /> of the insurance coverage so obtained inight siguficantly�cced flie cost of insurance that Bozrower could <br /> have obtauted. Any amoimts disbursed by Lender tuider this Sectioa 5 shall become additional debt crf <br /> Borrower secured by this Security Instrument. These amounts shall.beaz interest at the I\Tote rate frorn the <br /> date of disbursement and shall be payalile, with such irnerest, upon notice from Lender to Borrower <br /> requesring payment. <br /> 2aooazsi <br /> NEBRFSICA-Single Family-Fannie bi aPJFretldie A1ac ONIFORM INSTRUM.ENT Form 3028 1l�i <br /> VMP� VM PB(N�(1105) <br /> W olters KWw er Financial Services Page 6 of i� <br />