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��14�454� requ:�red by R�ESPA, ax�d Barrav�er shall pay to Lender�he amaun�necessary��xnake up�he deficie�cy i:n acc�rdanee wi�h RESPA, but�n no mare thar� 12 r�on.�hly paymer�t�. TJpon paymer�t�.n fu.�1 of a�I sur�as secured by�his Security Irx�trumer�t, Lender shall pramptl.y refund to Borrov�rer any Funds held by Lender. 4. Charg��, Liens. �Barrow�r sha��.pay a11 taxes, �SS�S5111�1t5, charges, fir�.�s, and impositians attributabl��a �he Praper�y wh�ch can attain priority over�1ais Security Ins�ruxne�t, l.easeho�d pay�ments ar graun.c�rents on �he PrQperty, if any, and�ommiu�ity Associat�on Dues, Fees, and Assessments, i.f any. T��he exterit�.a� th�se i.tems are Escrow It�x�.s, Borro�er sha�.�pay�hem in the manner prov�ded�n Section 3. Borrower sha��promptl�r d�.scharge any lien which has priori.ty over thi.s Seeurity I�.s�rument Lu�less Borrower: �a} agrees�n wr��ng to the payment of the obligation secured by the�.�.en in a�a.a�uzer a�cept.a.b�e to L�nder, bu�or�.ly sa Iong a.�Borrower is perfornr�ing such agreement; �b} contests�ie�ien ir�:good faith.by, ar defends again.�t en.farcement of the 1�.en i-�, �ega�praceedangs which�n Lende�'s�pinion o�era�e to prevent the enforcement af�he lien whi��those proceedings are pending, but only unti�such pra�eeding�are conc�uded; or�c} secures from the ho�der of the�ien a�agre�xnent satisfactary to L.ender suborda�a�ing the lier�t�this Security Instrum.ent. If Lender de�ex-�r�ines�hat ax�.y part of�h.e Property�.s sub�e�t ta a�l�en whi..ch can attain priority over�his 5ecur��y Instrum.ent, Lea�c�er rmay g�ve Borrower a na��.ce n�.entifying�he Iier�. �ithir� �4 days of th.e date an which that na�ce�s g�ve�., B�rrower shal�satisfy the��en�r tak�one ar�nore of the ac�ions set fax-�h abave in�hi� Sectzon 4. Ler�der m�.y requzre Borrower�o pay a one-ti�e charge for a real estate ta�veri�ca��n andl�r repor�ing servic�used by Lend�r�n cor�nection v�th th�.s Loari. �. Prv pe r�y �ns u r�a n ce� Borrawer sha11 keep the improvements n�w existing or�i�re�.fter ere��ec�an the Property ix�.su�e�.against Iass b�fire, hazards inc�uded wzth�in the term"��tended cov�rage," �nd any o�her �iazards znc�.uding, �u�n�t limited to, ear�iqu�es a�a.d f�oods, for which JLenc�er requires��s�a�-ance. 7Ch�s ��.suraxlce sha.��be�a.inta�n�c�i�the am�unts[inc�udi.n.g de�.uctible�eve�s} and far�ie perioc�.s t}�at L�nde�- requires. What]Le�der�equires pursua:nt�o the preceding s�ntences can change durt:r�g��.e ter�af�he Loan. The i-�surance carrier prov�ding the�n.surance shall be ch�sen by Bor�ov�rer subj ect�o Lender'�right�o disapprove Borrawer's cha�.ce, v�rhich right s1�a1�not be exerc�sed unreasonab�y. Lender may req�xire Borrower�o pay, in conriectior�wi.�t�.this Loan, ei�her: (a} a one-�ime charge far f�ood.znne determ��.atian, certi.f�.eat�.Qn and tracking serv�ces; or�b� a one=t�me charge far flaod�on�deternur�at�on ax�d certif cat��n servi:ces au�.sub�equent charges each t�.me rema�pings ar s�r�.�ar changes o��ur w�ch reasonably might affe��such de�ernvinat�on ar certificat�orx. Borrower sha�7 alsfl be respons�bl.e f�r the paymen�of a:ny f�es imposed by�he Federal Emergency Ma��:gernen�Agex�.ey i�cannection w�th the r�v�ew�f a�y fload z�ne �ietermrnat��n r�s�.�.ting from an obj ect�or��y Borr��Ter. I�Borrower fa��.�t�maintai�n any��ie c�verag�s describ�c�abov�, L,ender may ob�a�:�.Ans�ance coverage, a�Lendex4 s opti.on ax�.d Borrower's e�pense. Le�.der is under no ob�xga�on to purc�.a.se any par�xcular ty�e a� ar�ount of coverage. Th�ref�re, such co�erage sha�.c�ver Lender, but xnight or might n�t protec�Borr�wer, Borrower's equzty�n the 1'rop�rty, ar the co�.ten�s of the Proper�r, aga.irlst any risk, hazard or liabxli.ty and might prov�.de greater or�esser coverage�.ax�.was prev�vus�y in effect. Barrower ac�riaw�edges that�he cast of�.he i�surance eoverage so obta�.ned migh�signi�icantly exceed the cost of x�.sur�ce�hat Borr�wer c�u�d have abta�ned. A�iy am�unts disbursed by Lender unc�er this Sectior�5 shall b�c�me adc�i�ional debt of Borro�ver se�ured by�hi.s Secux�ty In�trument. The�e am�u:nts sha�1 bear xnterest at the Note rate�rom the date a�d�s�b�ursement a��.shal.I.be�ayab�e, vvi�h such i�t�res�, upan no�.ce from Lende��Borr�v�rer requesting payrnen�. ��oos��n NEBRASKA-Sir�g�e Family-�annie M aelFred�ie Ma��NIF�RM fNSTRUNf ENT Form 3�28 11�'[ VM P� VM P6�NE}{13�2) W o[ters Kluw�r Financia[5er�iGes Page G vf'f 7