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��14�3443 required b� RESPA, and Borrow�r sha�l pay to Lender�he amount necessary t�mak�up the deficiency in acc�rdance with RESPA, but �n no mare�han ��month�y payments. Up�n pa�rment in fu��f al� su�ns secur�d by this 5�curity Instrument, Lender shall promptly refund ta Barrower an� Funds he�d by Lender. 4. Charges; L�ens. Barrower shall pay aii taxes, a�sessmen��, charges, f�nes, and �m.p�s��ons a�tributab�e�o �he Praperty �vh�ch can attain pr�or�ty�w�r�his S�curity Instrument, �easehQ�d payment� ar ground r�nts on the Praper�y, if any, and�ommun��y Ass�c�atz�n Dues, Fe��, and Asses�ments, if any. Ta th�extent tha� �hes��ems are Es�r�vc� �tem�s, Borro�ver sha�l pay�hem in�he manner pr��ded in Sectian 3. Barrower shail promptly discharg�an� �ien which has priori�y o�er th�s Secur��y �ns�rumen�un�ess Barr�wer: �a} agrees in wr�ting tn the payment of th�obl�ga��on secured by the l�en in a rnanner acc�ptable �o Lender, bu�on�y so ��ng as Barr�w�r�s perfar�ming such agre�m�nt; �b}cantests the�ien in good faith by, or def�nds again�t enfarcern�ent of the Iien in, legal proceedings vvhich in Lender's opinian operat�to prevent the enfarcement af the lien while those proceedings are pending, but on�y unt�� such proceedings are G�n�luded; or�c} s�cur�� fr�m the holder nf�he l�en an agreemen�sa��sfact�ry to Lender subord�na�ing the Iien to�his Security �ns�rumen�. �f Lend�r de�erm�nes �hat any par�of the Proper�y �s sub��t to a lien which can atta�n pr�or�ty over this Security �nstrunzent, L�n�er may g��e B�rr�w�r a n�t��e zdent�fying the l�en. �ithin ��days of�he dat�on which�hat notic�is given, B�rrow�r sha�l satisfy the�i�n or take an�or rnar� af th�actions set for�h ab�ve�n th�s S��ion 4. Lender may require Borrower�o pay a one-t�m�charge f�r a real�s�ate tax��r��cat��n an�lor repor�ing s�rvic�used��L�nder in connection with this Loan. 5. Prnperty Insurance. Borrnwer shall k�ep the improvements novw ex�s��ng or hereaf�er e�rected on�he Proper�y insur�d against inss�y�re, hazards inc��ded �zthin�he t�rm "ext�nd�d�o�erage," and any flth�r hazards inC�ud�ng, t�u�no�xzm�ted�o, �ar�hquakes and flaods, for which L�n��r r�quires insurar�c�. This �nsuranc�shall be mazntained in�he arnaun�s �in��uding d�du��ible ie�e�s} ax�.�f�r th�per�ods that Lender r�quires. Vllhat Lender requir�s pursuant�o the pre�eding sentences can�hange during the t�rm�f�h�Loan. Th��nsurance�arrier provid�ng�he�nsurance sha��be�hosen by Bflrro�ver sub�ect to Lender's righ�to d�sapprove Borrawer's cha�ce, whi�h r�gh�sha�� no�be exerc�sed unreasanably. Lender may require B�rrawer�o pay, in c�nnection v�ith this Loan, either: �a} a one-�ime charge for flood zon�determina�ion, cer�ification and tracking services; or�b} a one�time charge for f��od zone determ�na��on and cert��cat�on ser�ices and subsequent charges each t�me remappings or sim�lar Changes occur whzch reasonab�y m�ght affect such de�ermination or cer�i�cat�on. Borrower sha�� als�be responsibie for the paymen�af any fe�s �mposed�y the F�d�rai Emergency Managemen�Agenc�r �n connectian with the r�v��w of any flood zone determ�nat�fln re�uXt�ng fra�m an obj�c�ion by B�rrower, If Borrawer fai�s to main�ain ar�y af�h�coverages described aba�e, Lender may obta�n �nsurance coverage, at Lender's option and Barrower's expense. Lender�s under no�b��gat�on to purchas�any particular type ar amount of C��erage. Therefore, such co�erage sha�� caver Lend�r, bu�might or might n��protec� Barr�wer, Borrou�er's equi�y �n th� Property, or the contents of the Praperty, agains�any risk, hazard�r liab�l�ty and might provide greater�r lesser��verage thar�was pre�iousiy in�ffe�t. Borrow�r acknow��dges that the cost of the insurar�c�coverag�so obta�n�d might sxgn�f��ant�y exceed�he cast of insurance�hat Barrower cauld have abta�ned. Any am�un�s d�s�ursed by Lend�r�nder thi�Sectifln 5 shall becom�additiona� debt of Borrflwer�ecured by t�ais Security Ins�rumen�. 'I`hese amoun�s shall b�ar interest at the No�e ra�e from the date af disbursement and shall be paya��, wi�h such interest, upon no�ice from Lender to Borrower request�ng payment. N�BRASKA-Single�arr}i�y-Fannie Mael�reddie Ma�tJNIF�RM lNSTRUMENT Form 30�8�101 VMP� VMPfi�N�i t�302y Wo�ters Ktuwer�inan�iai 5er�ices Pag�6 of 17