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��14�314� requ�red by RESPA, an.d Bflrr�tiver shall pay to Lender the a�maun�nece�sary�Q make up th�def�ciency in ac�nr�.an�e v�ith RESPA, but in na more than ��manth�y payments. �.]�pon paymen�in fu�� of al� sums s��ured b�this Secur�ty�nstrument, Lend�r sha��pr�mptly refund�o B�rro�ver any Funds h��d by L�nder. 4. Charges; Lien�. B�rr�wer shall pay a11 tax�s, asses�ments, charges, �nes, and imp�sitz�ns at�r�butabie t� the Prop�rty which can a��ain pri�ri�y o�er this Secur�ty �nstrument, �easeha�d paym�.en�s or ground rents on �he Praperty, if a.ny, and �ommunity Associati�n Dues, Fees, and Assessm�n�s, �f any. To the extent that �he�e��ms are Escraw �tems, Barrower sha�i pay them in the manner pro�rided �n Sec��nn 3. �3�rrower sha�l promp�ly discharge at�y�ien which has pr�or�ty��er�h�s Security�nstrumen�un�ess Borrower: �a} agrees in wr��ng�o�he paym�nt af the obl�gat�on secured by th��ien�n a manner acc�ptab�e �o Lender, but an�y so �ong as Barrower�s p�rf�rming such agre�m�n�; �b} contests��.��en�n good fa��h by, flr defends aga�ns�enforcemen�af th��en�n, l�ga� pr�ceedi�gs wh��h in L�nd�r's op�n�on�perate to preyent th�enfor�ement af the lien while those pr�c�ed�ngs are p�nd�ng, but oniy until such proceedzngs are conc�uded; or�c� secures from the holder af th��en an agre�m�nt sa�isfa�t�ry t�Ltrzder subard�na��ng the �ierz to th�s Secur�ty �ns�rumen�. If Lender determine� that a.�y par�of th�Praperty is subject to a��en which can attain pr�ar��y aver this Security Instru�m.ent, Lender�na�gi�v�B�rro��r a n�tic�id�ntifying �he�ien. �Vi�hin ��days of�he date on tivhich that natice��g�ven, B�rr�wer sha�� sat�sfy the��n or tak�on�or m�re of�h�actions set forth above in this Sectian 4. Lender may require Borrower�o pay a one��ime charge far a rea� esta��ta�veri�cat�on andlor r�part�ng serv�ce us�d by Lend�r in conn�ct�an with th�S Loan, 5. Prflp�rty lnsurance. Borrower sha�.�keep�he improvemen�s n�w existing or hereafter erected on the Proper�y insured aga��zs��ass by fire, hazards xnc�uded vvith�n th��rm "e�tended.coverage," and any o�her ha�ards including, but n��imited ta, earthqua.kes and fl��ds, for vvhich Lender requ�r�s insurance. This �nsurance shall be mainta�ned zn th�amoun�s �includ�ng d�duc��b�e�eve�s} and for the per�ods�hat L�nder requires. 'UL�hat L�nder requir��pursuant to the preceding sentences can change dur�ng the term af�he L�an. The insurance Carr�er providing the�n�uran�e shal� be chaSen by Borr�wer subje��to L�nder's r�gh��o disappra��Borra��r's choice, v��ich right sha��no�be exercised unreasnnab�y. Lender may r�qu�re Barrower t�pay, in c�nnection with th�s Loan, either: �a} a one-t�m�charge f�r f�ood zane d�term�natian, certif�cat�on and tracking services; or�b} a one�time charge f�r f�aod z�ne determina��on and cer��f��ation services and subsequent charges each time rernappings ar similar changes occur�vhich reasanably might affect such determ�nat�on or cer�i�ca��n. Borrower shali aisa be respnnsible for the paym�nt af any fees �mpos�d by the Federa� Em�rgency Managem.en�Agency in cor�ne�tion tivi�h�he r��iew of any fl�ad zone d�terminati�n resulting fron�an�bjec�ion by�orr�wer. �f Barravv�r fails to mainta�n any�f th�cov�rages described a�ove, Lender may ab�a�n insurance coverage, a�Lender's op��on an�Borrawer's expense. Lender is under no obliga�ion to purc�ase any par�icular type or amount af coverage. Therefore, such co�erage shall cover Lender, but might�r m�ght not pro�ec�Barro�ver, Borrower's equ�t� zn th�Pr�per�y, �r�he conten�s�f the Pr�perty, agains�any risk, hazard ar liability and might provide greater�r��sser co��rag�than was previousl�in effect. B�rrower acknowledges that the cos� of the insurance caverage sti�btazned mE.ight sign��cantly e�ceed�he cos�af�nsurance that Borrower cou�d �av�abtained. Any amounts disbursed by Lender under th�s S�ction S shal��come additiana� de��f Borr�u�er secured by th�s Securi�y�nstrum�n�. These amounts shall bear interest a�the Note rate frorn.the date of disbursement and shall b�paya�l�, wzth such in�eres�, upon notic�from Lender�o Borrower r�quest�ng payment. NEBRASKA-Single FamiEy-Fannie Mael�r�ddi�Mac UNIFC]RM 1N5TRUMENT Forr�-�3028 11�� VMP� VMPFi{NE��13�2j Watters Kluwer Financia�Ser►►ices Pag�E a€'€7