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��14�S�S� requ�red by RESPA, and B�rrower sha��pa�r to Lender the amount ne�essary to make up the de�ciency in ac�ardance w��h RESPA, but�n n�more�han 1.2 month��paymen�s. Upon payment in full of al� sum.s secured by this S��ur�t� �nstrumen�, L�nder shall promptl� refund t� Borrower any Funds held�y Lend�r. 4. �harges; Liens. B�rrower sha��gay a�l tax�s, assessments, charg�s, �nes, and impositians a�tribu�abie to the Proper��v�h�ch can atta�n pr�or�ty�ver th�s Security Instrumen�, �easehold payments or grnund ren�s on �h�PrQperty, �f any, and�ommunity Associatz�n Dues, F�es, and Assessmen�s, if any. T�the e�tent�ha� �he��item� are�scrow Items, Barrotiver sha��pay. them in the manner pro�ided in Sec�ion 3. Borrawer sha11 promptly discharge an��ien wh�ch has�r�ori�y�ver this Secur�ty�ns�ru�ment unl�ss Borra�er: �a� agrees in�vri�ing�a the pa�men��f the��igati�n�ecured by�he�ien�n a nianner acceptab�e to L�nd�r, �ut an�y so long as B�rrower is perforrning suc�.agr�em�n�; �b} contests�he��en�n goad fai�h by, or defends against enforcement of the�ien�n, �ega1 pr�c��dings wh��h in Lender's opinion opera�e ta prevent the e�f�rGement�f�he�zen�hi��th��e prflceedings are pending, bu��nly until sUch procee�iings are conc�uded; �r�c} s�cur�s fr�m the h�lder of�h�Iien an agreement satisfactory t� L�nder subordinating the �ien to�h�s S��ur�ty Instrument, �f L�nder de�ermines�hat any. par�af the Proper�y �s sub�ec�to a li�n�hich can a�tain pr�ar�ty ov�r th�s S�eur��y �ns�rurnent, Lender may�i�e Barrower a na��ce identi�yi�g�he 1ien. Wi�hin 1�day.s�f the�at�an�rh�ch tha�n�txce�s �iven, Borrower sha�� sat�sfy�he��en or�ake�ne�r more af�he actions set f�r�h abov�in thzs Sect�on 4. Lend�r may require Borrower�a pa�a one-time charge f�r a rea� estate�ax�erif�cation andlor repor�ing servic�u��i by Lend�r�n conn��ion with�h�s L�an. � 5. Prvperty Insurance. Barrow�r sha�l�eep the impra�ements now�xis�ing flr�.ereaft�r er�c�ed�n th� Proper�y�nsured agains�loss by f�re, ha�a�d��nc�uded wi�hin the�erm "�xt�nded coverage," and an�r oth�r hazards �nc�ud�ng, bu�nn�limi�ed to, ear�hquakes and fl�flds, for�hi�h Lender requir�s �nsurance. This insurance sha�l be maintained in�he amoun�s �including d�duc��b��eve�s}and for the periads that Lender r�qu�r�s. Wha�Lend�r requires pursuant to the preceding sentences can chan�e durin�th�term of the Loan. The�nsura�.ce�arrier prov�d�ng the insurance sha��be cho�en b�Barrawer su�ject to Lender's right to disapprove Barra�ver's choic�, wh�ch ri�h�sha�1 n��be exercised unreasonably. Lend�r may require Borrawer to pay, �n�ann�ct�on w��h th�s L�an, e�ther: �a} a one-�ime charge for flood zone d�ter�n�na��an, certifica�i�n and�racking s�r��ces; �r�b} a on�-�ime charge for flood zone�ieter,�nination and cer�if�cat�an services and subsequent�harg�s ea�h�ime remappings or s�m��i�ar changes occur which r�asonabl�migh� affect such de�erm�nation ar ce��f�cat�o�x. Borrower sha�� also b�resp�nsib��f�r the paym�n�of a.ny fees � im�.posed by the Federal Emergency Managem�n�Agenc�in conn��ian wi�h�h�rev�ew af any f��d zane d��ermina��on resu��ing from an objec��on by B�rrower. �f Barr�vver fa��s �Q m.aintain any of�he�overages descri�ed abov�, Lend�r may abta�n�nsurance coverag�, at L�nder's op��on and Barrov�er's exp�z�se. L�nder zs under no ob�iga��on to purc�ase an�r part�cu�ar type ar arn�unt�f coverage. Th�refore, such coverag�s�ia�l co�er Lender, bu�muight ar rx�zght not protect Borrower, Borr�u�er's equity in the Proper�y, ar�he c�nten�s af the Proper�y, agazns�any risk, hazard or��abi�i�y and �night provide greater or�es�er coverage�han was pr�vious�y �n�ffec�. Borrovver a�know�edges tha�the c�s� of�he insurance co��rage sa�bta�ned migh�signi�can��y exceed th�cos��f ir�sura.nc��hat Borrovv�r�oul�. hav��ained. Any amaunts d�sbursed by L�nder under thzs Sec��on 5 shal�b�come ad�.itional d�bt of Borrower secur�d by this S�curity�ns�rurnent. These amounts sha�l bear i�ter�s�at�he Note rate fr�m�he da�e of disbursem�nt and shall be payabl�, with such interest, upon noti�e fr�m Lender�o Borrower request�ng pa�ment. N�BRASKA-Sinc�le Family-Fannie MaelFreddie Mac UNIF�RM INSTRUM�NT Form 30Z8 110i VMP� VMPSSN��13a�j Wolters Ktuwer Financial Ser�i�es Pag�fi�f 1�