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��14�175� requrred by RESPA, and Borrou��r sha�ll pay to L�nder th� amount nec�ss�ry to make up the d�ficrency in accnrdance�vith RESPA, but in n�m�r��han 12 monthly paymen#s. Upon pa�ment�n fu�I of a�I sums s��ured by this Security Instrument, L�nd�r shall promptly refund to Borrower any Funds held by L�nder, 4, �ha�g��. Li�n�, Borrower sha��pay aI�tax�s, asse�sm�nts, charges, fin�s� and ixnposz�ians attributable to �he Property v�hi�h can attain priorrt�over�his Security�nstrument, Ieaseh��d payments or grour�d r�nts an th�Property, zf any, auld �ammunity Association Dues, Fees, and Assessm�nts, if any, Ta th�ext�nt that th�se it�ms are Es�row Items, Borrow�r sha1�pa�t�em�n th�mar�ner pr��rid�d in Se�t�on 3. Borrower sha1l promp�ly discharge any lien whi�h has przority over this Se�urity Instrument unless Borrovver: �a� agr�es in writing�o the payment of the obligation secured hy the lien in a manner-acceptabl� to L�nd�r, but only so l�ng as Borro�ver is performrng such agre�m�nt; �b} contests�he��en in go�d faith by, or defends aga�ns�enforc�ment of�he lren in, 1ega1 proc�ed�ngs which in Lender's opinion operat�to preven� �he�nfar�ement af the Iien while those proceed�ngs are pending, hut nn1.y un�il such proceedings are conclud�d; ar�c} �ecur�s from�he holder of the lien an agr�em�nt satisfact�ry to Lender su�ord�na��ng the l��n to this SeGurity Instrumenta If L�nder de�ermines �hat an�part of�h�Praperty is sub�ect�o a Iien wh�ch Can a�tain prior�ty ov�r this S�curity Instrum�nt, Len�er may give Borrower a�.ot�c�identif�ing th�lien, ��thin �0 days of the date on which�hat notice�s given, Borrawer shall satzsfy the lien or take ar�e or more of th�act�ans set forth above in this SeG��on 4. L�nd�r may require Borraw�r�o pay a one-time charge for a r�a1�state tax verificatifln andlor reporting s�rvice used�y Lender�n connection wi�h this L�an. 5 o P��p e rty l ns u�a r�c e. Borrower shal�keep the impro�err�ents no� existir�g or h�reafter er�cted on the Propert�znsured against Ioss�y fire, ha2ards �ncluded w�th�n�he t�rm "e�.tend�d coverage," and an�other hazards�ncluding, but not limited to, earthquak�s and f�oods, for�vhich I.�nder r�quir�s insuranc�. Thzs insuranc�shall b�maintained in�he amounts ��ncluding deductib�e�evels} a�nd for the peri�ds tha�Lend�r requ�res, What L�nder r�quires pursuant to the preceding sentences can change during �he t�rm of the Loan. The insurance carr�er prflv�ding�he insurance shall Y�e chosen�y Barrower subj ect ta Lend�r's right to disapprnve Borrovver's choice, which right shal�not be exercis�d unreasona��y. Lender may r�quire B�rro�ver to pay, in connection with�his Loan, ezther: �a} a one�time�harge for fload zone determination, cer��fzcat�on and tracking servi�es; or�b} a on�-tzme charge for flood z�ne det�rm�nation and certificat�on ser�ices and sub�equ�nt charges each�zme remappings or srmilar changes occur whrch reasonably might � affect such det�rmination or certzf�cat�on. Borrow�r�hali als�be r�sponsibl�for the payment of any fe�s imp�sed 1�y the Federa�Emergency Management Ag�ncy i�.cnnne�tion with the rev�ew of an�flood zone determinatian r�su�t�ng from arl obj ection��Barrovver. If Borrower fai�s to maintain any of the coverages described aho��, Lender may o�tain insurance co�erage, at Lender's optian and Borrower's expens�. Lender xs under no obl�ga�z�n��pur�hase any parti�ular type or amoun� of cov�rage. Ther�f�re, such cov�rage shall c�ver Lender, �ut migh� or might no�pratect B�rrovver, Borrower`s equrty in�he Property, or th��ontents�f th�Propert�r, aga�nst any risk, hazard�r I�abx��ty and migh�provide greater or�ess�r�ov�rage�han was previous�y�n effect. Borrawer acknow�edges tha�the cost of the rnsurance coverage so obtained might signifi�ant�y�xc�ed the cost of insurance tha�Bnrrow�r�ould have obta�ned, Any an�aunts disbursed by Lender under this Section 5 shal�become additi�nal d��t of Borrower secured by this Securi�y Instrument. Th�s�amounts shall b�ar inter�s�at the Note rate from the da�e of disburs�rnent and shall b�payab�e, with such interest, upon notice fro�n L�nder to Borrower request�ng paymen�. NEBRA5ICA-5ingls�amily-Fannie MaelFreddie Mac UNIF�RM INSTRUMENT Form 3q28 1141 VMP[� VMPGfN�f{�34�7 Wofters Kluwer Financial Ser�ices Page 6 of 17