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��14�15�� required b�r RESPA, and Borrow�r sha11 pay�a L�nder the amount necessary to make up the deficiency in accordance with RESPA, bu�in na more than ].�mflnthly payments, Upan pa�men�in full of all sums secured b�r this S�curit�rns�rument, Lender shal�pramptly refund to Borr�w�r any Funds held by Lender. 4, Charges; Liens. Borrow�r shall pay alI taxes, assessments, charges, fines, and impo�itron� attributable to th�Property which can attain priori�y over�his S��urit�Instrumen�, leasehaid payments or ground ren�s on th�Property, if any, ar�d�ommunity Associati�n Dues, Fees, and Assessments, �f any. To the exten��hat these items are Escra�v It�ms, Borrower shall pay�hem in the manner pra�r�ded in Secti�n 3. Borrower sha�I promptly d'zscharge any l�en vvhich has priar�ty ov�r this Security�nstrument unl�ss BorroWer; �a} agrees�n writing to the payrnent of the obligation secured by the Xien rn a mann�r accep�able �o L�nder, �u�anly sa Iong as Barrower�s performing such agr�ement; �b} cont�sts th�lien in go�d fa��h by, or def�nds against enforcem�nt of the Ii�n in, legal proceedzngs which in Lender's apzx�i.on operate to prev�nt the enforcement of the��en�vhi�e those proceedings are pending, but�n.1y unti� such�roc�ed�ngs are conc�uded; or(c} s�cures fram the halder�f the�zen an agreement sa��sfactor�tn Lender subardinatir�g the ��en to�his S�curit�Ins�rument. �f L�nder de��rmines �hat any par�of the Prop�rty is subje�t�o a��en which can attain priority aver this S�curity Instrum�nt, Lender may g�ve Borrower a notice�den��fy�ng the Iieno �rthin I� days of the date on which�hat notice is g��n, Borrower shall sat�sfy th��en or tal�e one ar more of the actians se�forth above �n this Section 4. Lend�r may requ�re Borrower t�pay a one-t�me�harge for a rea�.estate�ax�r�rificatiar�andl�r rep�rting servic�used by Lender in connectian with this Loan. 5. Pro��rty Insu�ance. Borrawer shall keep th�impravements n�vv e�isting or hereafter er�cted on the Proper�y insured against Io�s�y frre, hazards �nc�uded within the term "e�.tended coverage," and any other hazards includ�ng, bu�not l�mi�ed to, earthquakes and f�oods, for�vh�ch Lend�r requires rnsurance. This �nsurance shal�be ma�n�ained in�he amaunts �including deductib��I�vels} and for the periods that Lender r�quxres. What Lender requ�res pursuant ta the preceding sent�nc�s can change during the term of the Loan. The insurance carrier provid�ng th��nsurance shall be �hosen��Borrower su�j ect�o Lender's right ta drsapprove Borrawer's cho�ce, which right shall not be exercised unreasanab�y, Lender may r�quire Borro�ver to pa�, in c�nnection with this L�an, ezther: �a} a one�time charge for flood zane determinati�n, certif�cat�on and tra�king ser�ices; or�b� a one-time charge for flood zon�det�rminati�n and c�rt�fication servxces and subsequent charges each t�me rexnappings or simi�ar chang�s occur which reasonably migh� affect such de��rmination ar cert�f�cat�on. Borr�wer sha�1 al.so be responsible for the payment of an�fees impased by the Federal Emergency Management Agenc�in conn�ction with the rev�ew af any flaod zone determination resu�ting from an obj ection by Borrower. �f Borrawer fails to maintain any nf the coverages descrxbed above, Lender may obtain insuranc�coverage, at Lender's option and Borrawer's expense, Lender is under no ob�igat�on�o purchase any partr�u�ar typ� ar amount of c��erage, Therefore, such coverage �hall cover Lender, �u�might or might not protect Borrow�r, B�rro�ver's equity in the Prop�r�y, or the can�en�s nf the Proper�y, against any risk, hazard or 1iab��ty and might provide greater�r�esser c�verage than was prev�aus�y in�ffec�. Borro�ver acknov�r�edg�s�hat�he cost of the insurance coverag�so obtained might signzf�car�tly exceed the cost of�nsurance�hat Borrovver could have obta�ned. Any amounts disbursed by Lend�r und�r this Secti�n 5 shal�become additional debt of Borrower secur�d by th�s Securi�y Ins�rument. Th�s�amounts shal�b�ar�ntere�t at the Note ra�e from the date of disbursement and sha�X be payable, with such interest, upfln noti��from I�ender to Borrower requesting payment, N�BRASKA-Sir�gle�amify-Fan�ie Mael�redd�e Mac UNI��RM INSTRUMENT Form 3Q28 11�1 VMP Q VMP6�N�7��3�2} Wolters KlUwer Financial Ser�ices �'a9��a��7