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��14�4�54 required by RESPA, and Borrower shall pa�r�o Lender the amaunt ne�:essary ta make up�he def�ciency in accordance with RESPA, but in no more�han 12 manthly payments. t�p�n pa�rment zn full of a�� sums secured by thi� Securi�y �nstrument, Lender sha�i prompt�y refund t� Bflrrawer any Funds he�d by Lender. 4. Charges; L�ens, Borra�v�r sha�� pay a�� taxes, assessments, charges, f�nes, and imposi�ions attributable to the Proper�� wh�ch can attain pr��r�ty over�his Securi�y �nstrument, leasehold payments or graund ren�s on the Pr�perty, if any, and Commun�t�r Assa��at��n Dues, Fees, and Assessments, if any. To the e�tent�hat thes� i�erns are Escro�v ��ems, Borravver sha�l pay �hem�n the mann�r provided �n Sectian 3. Borr�wer sha�i promp�l�d�scharge any li�n which has priori�y over this Security Instrument un�es� B�rrativer: �a} agrees �n wr�ting �o the paymen�nf the�b�igatian secured by the lien in a manner accep�able ta Lend�r, but on�y sa l�rig as Borrawer�s perfQrming such agr�ement; �b} contests the Iien in g�od faith by, �r�iefen�is agains�enfar�ement af�h�lien ir�, l�ga�proceed�n�s which in Lend�r's op�nion opera�e�a prevent the�nfnrcemen��f�he��en wh�le�hose prace�dings ar�p�nding, but only unti� such pro�e�dings ar� cone�uded; or�c} secures fram�he ho�der of th�lien an agreemen� �at�sfact�r�y to Lender subordinating th� li�n ta this S�curi�y Instrument. �f Lender determi�es that any part�f the Prnperty �s sub�e�t to a��n which can at�ain priority�ver th�s Se�urity Instrument, L�nder may g��Borrawer a nntice�den��fy�ng�he��en. W�thin 1�days af�he date�n which that notice is given, Borrawer shali satisfy the lien or take one ar rn�re �f the actions se� for�h abo�e in�his Sect�on 4. Lender n�ay requ�re Barro�ver t�pay a one-t�me charg�for a rea� esta�e tax ver��Gati�n andlor repnrting service us�d b� Lender in connec�ian with th�s Loan. 5. P�operty in�urance. Bnrrow�r shall keep the improvemen�s n�w�x�s�ing or her�af�er erect�d on the Property insured agains��ass b� fire, ha.�ards inc�uded vvithin�he t�rm "extended c�verage," and an.y other hazards �nc�ud�ng, but nat l�matted�o, earthquak�s and floods, for wh�ch Lender r�quires insurance. This insurance shall b�maintained in the an-�oun�s �inciuding d��.uc��hie�ev��s} and for th�p�riads tha� Lender requires. �hat Lender requires pursuant t��he pre�ed�ng sen��nce�can change during�he�erm of�he Loan. The insurance carrier pro�iding the insurance shai�be chas�n by Borrnwer subject t� L�nder's r�ght t� disappra�e Borrow�r's choice, which r�ght shal�nat be e�erci�ed unreasanably. Lender ma� require Borrower to pay, in connectifln wi�h this Loan, �i�her: �a} a ane-time charge for fl�od zane determ�na�ion, cer��ca�xon and trackzng servic�s; or�b} a nne-�ime charg� for flood zone de�erminati�n and cer�ifi�a�ion ser�ices and subsequent charges each t�me remapp�ngs or s�milar changes occur whi�h reasonab�y might affect such d�terminati�n or certification. B�rr�wer sha�� a�so be respon�ib�e far the paymen�of any fees �mpased b��he Federal Em�rgency Manag�ment Agency zn conn�cti�n with th�r��ew of any flood 2one det�rmina�i�n re�u�ting fraxn an�bje�ti�n by Borr��ver, �f Barrov�er fai�s to ma�nta�n any of the coverages describ�d abo�e, Lender may obtain insurance cov�rage, at Lender's option and Borrower's expense. Lender is under no ob�igat�on to purchase any par�icular type or amount of c�verage, Therefor�, such cov�rage shal� cover Lender, but might or m�gh�not pro��ct B�rrower, Borr�wer's equi�y in the Prap�rty, or the c�ntents of�he Prop�r�y, aga�nst any rzsk, hazard or��ab��y and m�ght pr�vide greater�r�e�ser�overage than was pre�iousl� in effect. B�rrower a��cnowledges that the c�st �f the insurance�average s�ob�a�ned m�ght szgn�f�cant�y ex�eed�he cas�af insurance that Barr��er�ou�d ha�e obtained. Any amaunts d�sbursed by Lender under th�s Section S shal� became add�ti�nal deb�af Borrower secured by thi� Security Instrum�nt. These amounts sha�t �ear interes� at th�Note rat�from the da�e�f dishurs�m�nt and shall be payable, with such interest, upon nfltice from Lender ta B�rrower requesting payment. NEBRASKA-5ingle�arr�iiy-�anni�Mael�reddie Mac UN}FORM INSTRUMENT Form 3��8 1101 VMP r� VMP6�NE7{130�� Walters Kluwer Fir�anciat Ser�ices Page fi af 17