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��14�5145 required by RESPA, and Borrower sball.pay to Lend�r the amount nevessary to make up the defiici�ncy in accordanae wi�h RESPA,but in na mavre thaan 12�on.thl.y paym�fs. UP�I�Y�t�n full of all sums secured by this 5ecurity Instrument, Le�der shall prom�tlY r�fund to Borro�r any Funds he�d by Le�der. 4. Ch2rr+ges; Lien�s. Borrower 9hall pay all t�xes, as ts, cha�ges, fines� and impositions a�tributable ta the Property which can attain priari�y over this Security Instrum�t, leasehvid ts or ground r�nts on the Prvpert�y, if any, and 'ty Association Ih�es, Fees, �d Assessme�ts, �f any. To the extent t1�t t�aese ite�ns�e Escrow Ite�ms, Borraw�r shall pay the�m in the manner pravid�d in Section 3. Barrowear sh�ll promptly�lis�har�e any lien which has�riQrity aver this Security ent unless Bvrrowez: (a)agre�in writing t�t�e paym�nt of the obligation seCured by the lien u�a manner le to L�nder,but only so long as Bvrrower�s perfarming such a�reem�nt; [b)cant�s the lie�n in good fait�by, or defends against enforc�ment of the lien in, �egal p�roceedings which in Lend�r's apinion operate to pre�ve�t the enfor�nt of the lien while those prac;�dings are pending,but on�y�nt�l such proc�edings ar� oancluded; or[c)�es from the h�id�r of the lien an t sa�isf�ct�ry t�Lernd�subo�rdinating the lien to this 5e�urity �. If L�nd�r ' es that�ny part of the Property i�su.bj ect to a lien whi�h can attain priority aver this 5ecurity Instrume�.t, Le�nd�r may give Barr�wer a notice id�tifying the lien. �ithin ��days of the date on which that native is give�►, Boirawer shall satisfy the lie�or t�ke ane ar�re of the actions se�t forth above in this 5echian�#. L�der m�y require Bo�rower to gay a ono-time charge far a rea�es�ate tax�ear�fica�ian aadlor reporting servic�u.sed by L�nder i.n conne�vn vv�i�h this L�an. 5. y lr�u�r�Ce. Borrovver shall k�the in�prov�ts n�w existing or�ereaf�er er�ected vn the Prvperty insured against loss by fire, hazards in�luded within the term"extended co�e�ra,ge,'f and any other hazards i�ncluding,but not limited t�, e�r�hquakes and flaads, for which Lend�r reqwires insura�ce. T�us i�,swrance shall he ma�in�ained in the amounts�including dedu�iib�e�e�els)and for the periods that Lendez r�quires. Wh�at Lender requires pursuant to the prece�ng�nte�aoes�n change dur�ng the term of the Loan. The insurance c�rrrier pravid�ing the insuranae s�hall Ue chosen by Bvrrower subj e�t t�Le�der's right to disapprov�Borrower's chaice, which ri�ht shall not be�xerc�ised unressanab�y. Lender may requxre Borrow�r ta p�Y, in c�ecticm with this Loan, either: �a�a ane-ta�me charge fvr flaod.z�ne d�t ' 'on, certificatian and tracking sezvives; or�'b}a an�time�hazge for fiood�one ' 'on and oe�rt��ic�tian services and subsequent cl�arges each time re�a�pi.�gs or simi�ar changes occur wh�.ch re�sanably might a�ect such dete,�mination or vertif�cation. Borrower shalt also be re�onsible for the payment of any fees impossd by the Fed�ra�Fmergency Managem�nt Ag�cy in connec�ic�n wit�the revi�w of any fload�one ' 'vn re�gulting fi-om an flbjectian by Baarower. If Banawer fails ta m�aintain�y of the cove�ages�escribed abov�, Le�de�r may obtain insurance caverage, at Len.der's opt�on and Borrower's exp�nse. Le�der is�d�r no obliga.tion to purchase any parti�ar type or a�unt of Qaverage. Theref�re, such covera,ge sha11 cover Lender,but�rright or might not prate�Borrower, Borrower"s equity in t�ie Property,ar the contents of the Properrty, against any risk, haz�rd or liability and might provi�de greater vr lesser Qaverage th�an was prev�iously in eff�t. Borrowe�acl.�.vwledges that the vost of the insuranoe vaverage so obtai��d might significantly�caeed the cost vf�nsuranve th,at Bvnrov��r oau�d have vb�ained. Any amounts disb�s�d by Le�d�rr und�r this Sect�on 5 shall became additianal d�bt of BarroweT secured by this Security Instr�nent. These amo�ts shall bear interest�t the l�vte rate fram the date of disbursement and s�all�e payable, with sucb int�rest, upon notioe from Le�id�rr�o Bar�r�wer ��g��t. 23UQ336941 D VBNE NESRASKA�Fam#y-F�nnie MaelFreddie Mac UNIFQRM iN5TRUMENT �orm 3d28#I�t VMP� YMP9�NEy t13U2f Wv�ers K�wer Financial Sen►icas Pees @ vf 17