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��14��173 required by RESPA, and Borrower shali pa� to Lender the am�unt necessary to make up the de�'iciency �n accordance with RESPA, bu�in n�more than T2 mon�hly pa�m�nts. Upan payment in fu�l �f a�l sums secured by this�ecurity Instrum�n�, Lender shall pramp��y refund ta Borro�ver any Funds held b�r Lender. 4. �harges; Liens, Borrower sha��pay a�� tax�s, assessments, charges, f�nes, axad impositions a�tri�utabl�to �he Property which can a��ain priority aver th�s Security Ins�rument, �easeho�d payments�r ground r�nts on �he Frap�rty, if any, and�ammunity Ass�ciation Dues, F�es, and Assessments, �f any. To the extent�hat these ztem� are Es�r�w �tems, B�rro�ver shal� pa� them�n�he mann�r provided �n Sect�on 3. Borraw�r sha�l prompt�y d�scharge an�r��en which has przor��y over th�s Security Instrument unless Borrovver: �a} agrees in wri�ing to�he payment of the obl�gatian secur�d by the lien in a manner accep�ab�e to Lender, but only so �ong as Borr�wer is p�rforming su�h agre�m�nt; (b} c�n�e�t��h��n�n gaod faith by, ar d�fends aga�ns�enforc�men�af�he��en zn, ��a� proceed�ngs wh�ch�n Lender's ap�nion operate ta prevent the enfarcement of the�ien white thase prflceedings are pending, but flniy un�i� such pr�ceedings are concluded; or�c} secures from th�holder of the Iien an agreement satisfa�tory�a Lender su�ordinat�ng the lien�a this Securi�y Ins�rumen�. If Lender determines that an�par�of�he Proper�y �s subject to a��en wh�ch can atta�n priar�t� over thxs Secur�ty �nstrument, Lender may give B�rrower a no�i�e id�ntif�ing the�ien. ��thin la days of�h�date on wh��h that not��e is given, Barrower shal� sat�sf� the��n ar�ake one or m�re �f the a�tians se�forth aba�e in this 5�ction 4. Lender may requ�re Borrower�o pay a�n�-�ime charge fnr a real�state ta�ver��ca�xon andlor repor�ing ser�ice used b�r Lender�n connec��on w�th th�s Loan. 5. Prvperty �nsurance. Barrower shall keep the impravemen�s naw exist�ng or hereaf��r erected an�he Property in�ured against loss by �re, hazards inc�uded w�thin the term "e�tende�.co�erag�," and any o�her hazards in�iuding, but n��limited to, earthquakes and flo�ds, for which Lender requires �nsurance. This insurance shal�be ma�nta�ned �n the amounts �xnc�ud�ng deduc�xble�evels} and f�r�he periflds �hat Lender requir�s. What Lend�r requir�s pursuant to the prec�ding sentences can change during the�erm of the Loan. The in�uranc�carrier pro�iding th�insurar�c�shall be ch�sen b�Barrow�r sub��t�o L�nder's r�gh��o d�sappr��e B�rra�ver's choice, wh�ch right sha�� not be�xercised unreasonab�y. Lender nnay requzre B�rr�wer�a pa�, �n connectznn wzth th�� Laan, �x�her: �a} a one-tim�charge for f�ood zone determ�nat�on, certi�cation and tracking�ervices; ar�b} a one-t�me charge for f�ood zane determination and cer�if�cat��n services and subsequent charges each time remappings or simiiar changes occur which reas�nably mi�ht aff�ct such determina�i�n�r cer��fi�at�on. Borrawer sha11 a�so be respans�ble for the payment of any fees impos��i by�he Fed�ral Emergency Manag�ment Agenc� in connection with the re��ew�f any �load zone determi.na��on resu�t�ng from an�bjection by Borrower. If Barrawer faiis to main�ain any of the coverages descr�bed aba�e, Lender may obtain�nsurance c�verage, at Lender's op�ian and Borr�wer's expense. Lender is under na ob�iga�ion to purchase an�par�zcu�ar�ype or amnun�nf c�v�rage. Therefore, suCh cov�rage sha�� cover L�nder, bu�might or m�gh�not protect Borraw�r, B�rr�wer's equ��y zn the Proper�y, or the can�en�s of the Proper�y, against any r�sk, hazard or liabiiity and mi�ht pro��d�greater ar�esser cfl�erage than was pre�iausly in effec�. Borrow�r a�knawledges that the c�st �f th�insuran�e coverage so abtained might�igni��antly exc��d�he cost�f insurar�ce�hat Borrnwer cou�d ha�e a�ta�ne�. An� amoun�s d�sbursed by L�nder under thzs S��ion S shai� become a�.d�t�ana� deb�of Borr�wer s��ured by this Security �n�trument. These amounts sha��bear�nterest at the Na�e ra�e fram the date of dis�ursement and shal�be payab�e, �i�h such interes�, upon natice fram Lender�o Borro�ver requesting payment. N�6RASKA-Singie�amily-�annie Mael�reddi�Mac UNI�ORM iNSTRUM�NT Form 342$11a7 VMP(] VMPfi�N��{13D2� Wolters Kluwer Financiat Ser�i��s Page 6 of�7