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��14�1955 required by RESPA, and Borrower sha.�1 pay to Lender the amoun�necessary�o make up the def ciency in accardance w�th RESPA, but in no more�han �.2 mflnthly payments. Upon payment in fu1�of aII sum�secured by this 5ecuri�y In�strument, Lender shali pr�mptly refund to Borrower any Funds heid by Lender. 4. Charges; Liens. Borrower shall pay a1��axes, assessments, charges, fn�s, and impositrans attr�bu�abie to the Property which can attain priority o�er th�s S�curi�y�nstrument, leasehold payments or ground rents on the Proper�y, �f any, and Community Association Dues, Fees, and Assessm�nts, if any. To the extent that these i�ems are Escrow Items, �orrower sha11 pay them in the manner pro�ided in Section 3. �rro�ver shail prvmpt�y dis�harge any�ien which has pr�ority o�er�his Security Instrument unless Borrower: �a} agrees in wrxting�o the payment of the obligatron secured by�he lien in a manner acceptabie �o Lender, but on1�sa Xong as Borrower is performi.ng such agr�ment; �b}contests the�ien in good faith by, or defends agaxnst enforcement of the lien in, legal proceedings which in Lender's opuuon operate to preventi th�enfvrcemenx of�he lien whi�e those proceed�ngs are pending, bu�only un��su�h proceedings are concluded; ar��} secures from�he ho�der of the lien an agreement satisfac�ary to Lender subordinating the lxen to this S�curity In�trum�nt. �f Lender determines that any part of the Propert�r is subject to a 1i�n which can attain privr�ty o�rer this S�urity In��rument, Lender may g�ve Borrower a notice�d�n�xf�i.ng the l�en. 'Wxthin 1�days of�he da.xe on which�ha�na�rce is gr�en, �rrovver sha11 sat�sfy the lien ar take one or more of the acti�ns set forth abo�e in�his Se��ion 4. Lender may require Borrower�o pay a one--�ime charge far a real estate tax�erificat�on andlor reporting service used by Lender in connec�ion w�th th�s Loan. 5. Propgrty Insurance. Borrower sha1X keep th�impro��ments navW exi.s�ing or hereafter erected an the Property insureci against loss by�ire, hazards�ncluded w�th�n�he term "ex�ended co�erage," and any other haza.rds�ncluding, but not 1imi�ed tio, earthquakes and floods, for which Lender requires xnsurance, This Yn�uranc�sha11 be maintained in the amour�.ts�including dedu�tibie le�eis} and for the p�riods that Lender r�quires, What Lender requires pursuant to�he preced�ng sentences can chang�during�he�erm of t,he Loa��. The insurance carrier pro�iding the insurance shalX be chasen b�r Borrovver subje�t to Lender's right to disappro�e B�rrower's choi�e, vvhieh right sha�1 nat be e�ercised unreasonably. I.ender may requxre �rrower ti�pay, �n connection with�his Loan, e��her: �a}a one-ti.me charge fnr flood zone de�ermxnativn, certifica�ion and tracking services; or(b} a one-time charge for flood zane determination and certxf cation ser�ices and subsequ�nt charges ea.ch time remappings or sirru�ar changes occur whi�h reasonab�y m�.ght affect such determination or cer�ificatian. Borrower shall a1s�be responsib�e for�he payment of any fees imposed by the Federal Emergenc� Management Agency in conne�tion with the review of any flood zon� d�termination resu�ting from an nbjec�ion b��orrower. If Borrower fails tv maintain any of�he ca�erages des�ribed abo�e, Lender ma�r obtain insurance co�rerage, at Lender's option and Barrower's e�pen�e. I.�n.d�r is und�r no obx�gat�on to purchase any particular t�pe or amaunt af co�erage. Therefore, such coverage shall cover I.�nder, but might or migh�n�t protect Borrower, Borrov�rer's�quity in�he Property, or the canten�s of the Froperty, against any risk, hazard ar lxabixrty and might pro�ide great�r or Iesser co�erag�than was prev�ousxy in�ffec�. E�rrower acknowledges tha��he cast of�he ir�surance co�erage sv ob�au�ed might signifi�ant��ceed th�cost of i�nsurance that Borrov�er c�uld ha�e obta�ned. Any amounts disbursed by Lender under this S�c�xon 5 shall became addi�ional deb�of Barrower secured by this Security I�astrument. These amoun�s shal�bear interes�at the No�e rate from the date�f disbursement and sha.l�be payable, wx�h such�nterest, upon nnt�ce from L�nder�o�rrower requesting payment. N�BRASKA-5ing�e�amiiy-�anrne MaelFreddie Mac UNIFORM INSTRUM�NT Form 3028 110'� VMP� VMP6�NE�f'�3D�f.DD WaIters Kluwer Finan�ial Sarvicss Page 6 af 17