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� ��15��1� required by RESPA, and Borrower shall pay ta L�nder th�amaun�nec�ssary to make up the defi�ien�:y in accordance wi�h RESPA, but in no mare�han ��man�hly paymen�s. LJpan paymen� in full of a�l �ums secur��b�this Security Instrumen�, Lender shall pr�rnptiy r�fund to Barro�ver any Funds held by Lender. 4. �harges, �iens. Barrower sha��pay a�l�axes, assessments, charges, fines, and�mposi�ions attributa��e to th�Proper��whi�h can a�tain pr�ori�y a�er th�s Security �nstrumen�, �easeho�d payments�r ground ren�s oxz the Proper�y, �f any, and Cammun�ty Assoc�a�zon Dues, F��s, and Assessm�nts, �f any. To the ex�ent that thes��tems are Escro� �tems, Borrower s�.a��pay �hem�n the�manner prov�ded�n 5�cti�n 3, Borrower shal�pr�mp�Iy dis�harge any l�en�vhich has prior��y�v�r this Security Instrum�nt unless Barrow�r: �a} agrees in�ri��ng�o the payment af the ob��gatinn s�cured�y the lien in a manner accepta��e �o Lender, �u�only s��ong as Borrflwer�s performing such agr�emen�; tb} contests the��n in go�d faith�y, or defends against enf�rcement af the��en in, �ega�proceed�ngs�rhich in Lender's op�ni�n operate to pre�ent th�enfor��men��f th�lien�vhi�e thas�prace�dings are pending, bu�anly un�il such pr�c�edzrzgs are c�nclud�d; �r�c} se�ures fr�m the h�ld�r af the�i�n an agreemen�sa��sfa�tory�a Lender subardinat�ng the ��en ta �h�s Se�urzty �ns�ru�men�. �f Lender d��rm�nes�hat any part af�he Proper�y �s sub�ect to a l�en which �an attazn pr�ority a�er�h�s Security �nstrunr�en�, Lender may giWe Borr�wer a no�ice�dentifying the 1ien. �Vithin 14 day,�of the da�e an�hich tha�notice is gi�en, Borrower sha�� satisfy the lien or take one or mor� of th�actions set f�r�h above in�his Section 4. Lender m.ay requzre Borro�nrer�o pay a�n��m��arge for a rea� �sta��a.x ver��cation andlar repar��ng s�rv�ce used b�r Lender in conn�ct�an w�th th�s Loan. 5. Prflperty �nsurance. Borrower sha�l k�ep the�mpr�v�m�nts n�w exis�ing ar hereafter�rected�n the Prop�rty in�ured agains��ss b� f�re, hazar�s inc�uded within th��erm "�xt�n��d c�verage," and any��her ha2ards �n��uding, but nat�imi�ed to, �arthqua�es and flo�ds, fnr whi�h L�nder requires�nsuran�e. This �nsurance s�.a�.�be maxntaxned �n�he amaun�s �in�lu�ing deduct��e��} and for the perzads that Lender requ�res. W�a�L�nder requires pursuant to the preced�ng��ntences can change during the term of the Loan. The insurance carrier praviding the insurance sha�I be c�asen by Borrovver subject to Lender's right to d�sapprove Barrawer's ch�ice, which righ�sha�l not be e�erc�sed unreasonabiy. Lender may require Borrow�r to pay, in�onn�c�ian w�th this Loan, either: �a}a one-�ime�harge for f�aod zone detennina��nn, cer�if�cat�nn and tracking services; or�b} a one�tim��harg�for fload z�ne determination and cer��f�cat�on serv�ces ar�d subsequen�charges each time remappings�r s�mi�ar changes occur v�h��h reasonably might affect such determination or cer��f�ca��n. Borrovwer sha�� a�sa be resp�nsibl�for the payment of any fe�� impos�d by the Fed�ra� E�mergency Management Agenc� in conn��on with th�r��iew of any f�oad zone d��rmination resulting from an Qb��ction by Barro�er. Zf Barr�vw�r fai�s��main�ain an��f the c��erages descri�ed above, Lender may��ain�nsurance caverage, at Lender's ap�xon and Borrower's expense. Lend�r is under no o��gatzon�o purchase any par�icu�ar�yp��r a�maunt of caverage. Therefare, such c��rerage shall c�ver Lender, but might or might not pra��t Borrower, B�rraw�r's equi�y in�he Praper�y, or the con�en�s�f th�Property, agains�any risk, hazard�r��ab��zt�and might pr�v�de greater�r�esser coverage than was pr�viously ��.effect. Borrov�er ackno�v�edges that the cas� �f�he�nsuran�e co�erage s�ob�ained might signif�cantly exceed the cas�of�nsurance tha�Borro�er cauld have�btaine�.. Any amaunts disbursed by Lender und�r this Sec�ion 5 sha��became addi�ional debt of Borrow�r secured by this Security Instrurnent. The�e amounts shall bear interes�at th� N�te rate from the da�e af di�burs�ment and sha�l be payable, �vith such interes�, upon notic�from Lender�o B�rrower reques�ing payment. N�BRASKA-Singie Family-Fanni�MaelFred�ie Mac UNIFQRM INSTRUMENT �vrm 3�28 71�1 VMP� VMPfi4NE)�i 30�� Wolters Kluw�r Finar�cial 5�r�ic�s Page fi af�7