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��14��1�� r�quired by RESPA, and Borrov�rer sha�� pa�r to L�nder�he amaunt ne�essary to make up the defic�ency in accordance wi�h RESPA, but�n na more than �2 mon�h�y payments. Upon paymen� in full af alI sums secured by�h�s Securi�y Instrument, Lender sha��prompt�y refund to Barrower any Funds held by Lender. 4. Charges; L�ens. B�rrower shall pay ai� taxes, assessmen�s, char�es, f�nes, and impas��ns a�tr�butable to th�Pr�per�y wh�ch�an attain priority over this S��urity �nstrument, �easeh�Id payments or ground rents on �he Property, if any, and Cammunity Associatinn Dues, Fees, and Ass�ssme�ts, �f an�. To the ext�n�that these items are Escrow I��ms, Borrawer sha�� pa��hem in the mann�r pr�vi��d �n Section 3. Borrower sha�I prompt�y d�scharge any Iien which ha�priori�y o�er�his Secur��y �nstrum�nt un�ess Barr��ver: �a} agre�s �n writing to�he paymen�of the�bX�gatxon secured by th��ien in a�mann�r acceptable to Lender, but only so long as Borrow�r�s perform�ng such agre�m�nt; �b} �ontes�s the lien in goad fai�h�y, or defends against enfor��ment�f the l�en�n, �egal pr�c��ngs which in Lender's op�n�an operate��prevent �h��nforcement of the��en wh��e thase proc�edings are pen�.ing, but an��un��l such pr�c��dings are concluded; or�c} secures from�he holder of�he��en an agreem�ent satisfactary to Lender subordznatzng �he ��en�o�h�s S�cur�ty�nstrument, If L�nder deteramin�s tha�an�par�of the Propert� �s sub�ect to a li�n which can a�tain pri�rity o�er thzs Secur��y Instrumen�, Lender may give Borrow�r a nat�ce�den�if�ing th��ien. ��hin ��days�f�he date on wh�ch�hat natice is given, Borr�wer sha11 sat�sfy the Iien or�a.ke one or m�re of the ac��ons s��far�h abo�e in thi� Section 4. Lender may requ�re Borrower�o pay a one-�ime charge for a reai estate tax verificat�nn andlor repar�ing serv�c�used by L�n�er in conneGt�on w��h�h�s L�an. 5. Prape�ty �n�urance. Borr�wer sha�� keep �he impr��ements naw ex�stxng nr hereafter erected�n the Property insured aga�nst�ass��f�re, hazards included��h�n th�term "extended caverage," and any ather hazards �nc�ud�ng, �ut no�limite�to, �ar�hquake� and flflods, for which Lender requires znsuranc�. This �nsurance sha�� be maintain�d in the am�unts ��nC�uding deduc�i��le�eis} and for the per�ods that Lender requir�s. �ha� Lender requires pursuant�a �he preceding sen�ences can change dur�n�the term of the L�an. Th�insuran�e carrier pra�r�d�ng the insurance sha�I b�chos�n b� Borrower subjec�to Lender's ri�h�to di�approv�Borrower's choice, which right shal� nat b�exerc�sed unreas�nab�y. L�nder may requ�re Barrower ta pay, in cflnnec�ion with th�s Loan, ei��er: �a) a nne-t�me charg�for flood zane d�terminatian, cer�zf�cation and tracking ser�ices; or�b} a on�-�ime charg�for f�ood zone d�terminat��n and cer�ificatian services and subsequent charges ea�h time remappings or similar chang�s oc�ur whzch r�asonably migh� affect such determ�nat��n or cer�ificat�on. Barrower shali a�so b�respons�b�e far the payment of any fees imposed by the F�deraX Emergen�y Ma.�aagement Agenc�r �n connect�on with the review of any�lood zane determina�ion resu�t�ng from an obj ection by Borr�wer. �f Bnrrower fails �❑maintain an�af�he c��erages described ab�ve, Lender may ab�ain�nsurance coverage, at L��nder's apt�on and Borrower's expense. Lender��under no ab�igatian to purcha�e any par�icular�ype ar amount af caverage. Therefore, such cavera��shall cnver Lender, but m.�ght or m�igh�na�pro�ect Borrow�r, Borr�wer's equit� in the Prop�r�y, ar�he content��f the Propert�, aga�nst any r�sk, hazard or��ab�l�ty and might pro��de great�r or l�ss�r co�erag�than wa�pre�riousl� in effect. Borrow�r a�know�edges�hat th�cost �f�he �nsurance cov�rage so obtained might s�gn�f�ca.ntl�exc�ed the cost of insurance that Borrawer cou�d ha�e ob�ained. Any amounts d�sbursed�y Lender under this Sect�on 5 shall become add�ti�na� d�b�nf Borrouler secured by th�s Securzty �nstrumen�. These amounts shall bear interest at�he N�t�rat�fr�nz�he da�e of�.�s�ur�ement and sha�� be payable, with such interest, upon no��ce frorn Lender to Barr�wer request�ng payment. N�BRA5KA-S+ngle�arnily-Fa�nie Mael�reddie Mac UNlF�RM 1NSTRUMENT Form 3�28 1��'I VMP� VMPS�IVE1�i 3�� Wviters K�uwer Fina�cial Ser�ices Page fi vf�7