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��14��3 required by RESPA, and Borrower s�iail pay to L�nder�he amaunt n��essar� to rnake up the def�ciency in acGordance with RESPA, but in no more than 1�man�hl�payments, Upan payment in full nf a�i sums secured by this Se�urity Instrum.�nt, Lender sha��promptl� r�fund to Borr�wer any Fund�h��d b� Lend�r. 4. Gharges; Liens. B�rrower shall pay ali tax�s, assessmen�s, charges, fines, and imposition� a�tributabie to the Fr�per�y vc�hich can a��a�n priority o�er th�s Secur�ty �nstrumen�, Ieaseh�Id pa�men�s or graund ren�s on the Proper�y, if any, an�Commun�ty Assoc�ation Dues, Fees, and Ass�ssments, zf any. Tn�he exten��hat �hes�items are Escraw Items, Barrower shall pay then�in the manner provided �n Section 3. Borrower shal� promp�ly discharge any lien which has priarity o�er this Securit�Instrument unless Barrawer: �a} agre�s �n wr��ing�o the payment of�he nbliga�ion secured by�he�ien in a manner acceptable ta Lend�r, bu�only sfl long as Borr�wer is perform�ng such agreement; �b} con�es�s the��en xn good fa��h by, ar defends against enf�rcemen��f th� ��en in, legai proc�edings which in Lend�r's opinion operate t�pre��nt the enf�rc�ment of the�zen while those pr�ceedings are pend�ng, �u�aniy until such proce�dings are c�ncluded; or��} �ecures from the ha�der of the��n an agr��m�n�satisfac�ory��Lender sub�rd�na��ng the �ien�a this Security Instrument. �f Lender de�ernzin�s that any par��f the Prop�r��r is sub�ec�ta a��n wh�ch can attain priority over this Security�nstrument, Lender may gi�e Borro�ver a notice identif�ing�he�ien. 'UVithin �4 days of the da��on wh�ch tha�n�tice�s gi�en, Barrower sha�l satisfy the lien or take one ar more of�he ac��ons se�fnr�h aboWe in th�s Sec�i�n 4. Lender rnay require Borr�wer to pa� a one-time ch�arge far a rea� es�a�e�ax veri�catzan andlar r�porting ser�ice used b� Lender in conne�tiQn wi�h this Loan. 5. Pro�erty �nsuran�e. Borrovver shali keep the impr�vemen�s n�w exis�ing or hereafter�rected an�he Praperty �nsured against�oss by fir�, hazards inc�uded within th�term "extended coverage," an�an� other hazards inc�uding, but n��m.�ted t�, �ar�hquakes and flaads, for which Lender r�quzres znsuran�e. Thi� insurance sha�I be maintained in�he amounts �including deduct�b�e�ev��s} and for�he period�that Lender requires. What Lend�r requires pursuant ta the preceding s�ntence�can change during the term af�he Laan. The insurance carrier pr�viding the insurance sha�� be chosen by Borrawer subject�� Lender's right�o d�sapprave Borrower's�ho�ce, which righ�shall no�b�exercised unreasonably. Lender may require Borrawer t�pay, in connec��on with this Loan, eith�r: �a} a one-time charge for�1ood z�ne determinat�on, certificat�an and�racking ser�i�es; nr�b} a one-time charge far f�.�od zone de�erm�na�zon and cert��ca�ian s�rvices and subse�u�nt charges each t�rne remappings or sin-�z�ar changes accur vvhich r�asonab�y might affect such det�rminat�an�r cer�ifica�ion. B�rrower sha11 alsa be r�sponsib�e far the paymen�of any fees i�nposed by�he F�deral En�ergenc� Management Agenc�in conn��tian wi�h the re�v��w�f any flo�d zone determunat�on resuiting from an ob�ectzan by Borrawer. If Barrawer fai�s��maintain any af�h�coverages descrzbed above, Lender n�ay abta�n�nsurance co�erage, at Lender's op��on and B�rrawer's exp�nse. Lender is und�r no o��igati�n to purchase an�par�i�u�ar type ar a�mount of coverage. Therefare, such coverage shal� co�er Lender, bu�might or might na�pro��Barrow�r, Barrower's equity in the Pr�per�y, or th�c�n�en�s af�he Pr�p�r�y, against an�r�sk, hazard or�iab��i�y and might pravide greater or lesser co�rerage than�vas previous�� n eff�ct. Borrawer acknowledges�hat the cost of the insuranc�coverage so obtained rn�ght signif��an�ly exceed the c�st af in�urance�ha�Borrower cou�d have obtained. An�am�unts disbursed by Lender under this Sec�ion 5 s�a��became add�tianal d�bt af B�rrawer secured by this Securi��Ins�rument. These amounts shall b�ar in�er�s�at the Nate rate fram the �at�of d�sbursement and shal�be pa�able, v�z�h such �nt�rest, upon notic�fram Lender to Borrower requesting pa�rm�nt, NEBRASKA-5ingle�amity-Fannie MaelFreddie Mac UNIF�RM lNSTRUMENT Form 3fl28 71�1 VMP[�] VMPfitNE��1302} Wolters Kluwer�inancia�Ser�ices Page fi of 17