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��15�1�45 required by RE�PA, and Borr�wer sha�� pay�o Lender th�amount necessary to make up the defic�en�� in accordan�e w��h R.ESPA, bu�in no mare than 1 Z mon�h�y payments. Upan paymen� in ful��f al� sums secured b� �his Securi�y �nstrument, Lender sha��promp��y refund to Borrovver any. Funds h��d by Lender. 4. �narges; Liens. Borrowe�shal�pay a�� taxes, assessments, charges, �xnes, and imp�sit�ons at�ributab�e�a �he Proper�y which can a�ta�n pr��rity o�er th�s�ecurity �nstrument, �easeho�d payments or ground rents an the Property, �f ar�y, and Community A�sac�ation Dues, Fees, and Assessments, if an�. To th�ex�ent that �aese it�ms are Escrow �tems, B�rrawer s�a��pay them�n th�mann�r prov�ded in Sec�ian 3. Borrower sha��promp�l�discharge any li�n whic�has pr�orz�y❑�er this Secur��y�nstrumen�un�ess Borrvwer: �a} agr��s in wrxt�ng to�he paym��t of the�bligat�on secured by�he�ien�n a mar�ner ac�eptab�e to Lender, but on�y so�ong as Borrovver is performing such a�reement; �b}�an�ests�h�lien in gflod fa�th by, or def�nds against enforce�n�nt of th��xen�n, �ega�pr�ce�dings which in Lender's opxn�on�perate��pre�en� the enfore�ment of the�ien wh��e�hos�pro�eedings are p�n�ing, bu�onl�un�i� such pr�c�edings are concluded; or��} secures frarn��ae h�ld�r of the l�en an agre�ment sa��sfac�ory�o Lender sub�rdinating th� �ien t�thi�S�curity�nstrument. �f Lend�r det�rmines that any part of�he Prap�r��is sub�ec�to a�i�n which can a�tain pr�ar�ty o��r�his Securx��r Instrument, Lender may give Barrawer a notic�identifying the�x�n. ��hin 1�da�s af th�date on wh�ch that not�ce�s ��ven, Borrower sha�� sa��sfy the lien��take one�r more of the actions set forth above in th�s�ect�on 4. Len�.er ma�requ�re Borrower to pay a one-time charg�for a real es�a�e ta�verifica��on andlor repar�ing s�rvice used by L�nder in c�nnection vvx�h this I.�an. 5. Property �nsurar►ce. Barrower shal�keep the impro�ements novv exis��ng or hereaf��r erected on the Property insur�d agains�Ioss b�f�r�, hazards in��ude�w��h�n the term "e�tend�d�overage," and any oth�r hazar�s i�c�ud�ng, but n��limited t�, earthquakes a�.d floods, for u�hich Lender requ�res insurance. Th�s insurance shal�be rnaintained in the amaunts ��nc�ud�ng�educ�ible leveis}and for��per��ds that Lender requires. �'�Vhat Lender r�qu�res pursuant�o the preced�ng sentences can change during the term of the Loan. The insurance carr�er pro�id�ng the in�urance sha�l be ch�s�n b�Borr�wer sub�ect to Lender's r�ght t� d�sapprove Barr�wer's choice, which right shal.X no�be exer�ised unr�asanab�y. Lender may requ�re Borrvwer�a pa�, in connection with th�s Loan, e�ther; �a} a�ne�txme c�arg�for flond zone determ�inatian, ��cert�f�cati�n and tracking services; or�b} a o��W��ne charge f�r��od zone de��rm�natxon and cert�fication , - � services and subseque�t�harges each t�n1e remappings ar sim�l�'r chang�s bccur whi�h reasonably m�gh� affec�such determinatzon or cert�ficati�n. B�rrower sha�� a�s��e respons�b��for the payment�f any fees �mposed by�he Federa� Emergenc�M�nagexnen�Agency in connecti�n wi�the rev�ew af any f�aod zone deter.r�nation resulting fr�m an objection�y B�rrower. � �f Bflrrav�er fa��to maintain any of�he cover�g�s descri�ed abo�ve, ��nder may obta�n insurance coverage, at L�nder's opt�o�an.d Borrower's�xpens�, Len�er is under no ob�xgation ta purc�.ase any par�icu�ar type�r a�moun�of co�erage. Ther�fore, such c�verage�ha�� cover L�nde�, but m�ght nr rni�h�nat pr��c�B�rrower, Bflrrower's equity �n the Proper�y, or the co�tents of�he Proper��, aga�nst any r�sk, hazard flr liabilit�and mi.ght prav�de greater�r l�sser coverage�han was pr�v�ously in effec�. Borrav�rer ackn�vvledges that the��st of the insurance cav�rag�sa obtazned might s�g��an��y exce�d�he cast of insurance tha�Borrower cau�d ha�re obtained. Any am�unts disbursed�y Lender und�r this Secti�n S sha1��ecome addit�ana� de��f Borr�wer secured b�this Securzty �ns�rumen�. Thes�amaunts sha11�ear inter�st a�the Note rate from the dat��f disbursement and shal� be payab��, vvith�uch�n�er�st, up�n no�ice fr�m Lender to Borr��ver reque��ng payment. NEBRASKA-5ingte�amily-Fannie Mael�reddi�Mac UAIIFDRM INS�'RUM�NT �orm 3028 11Q1 VMP(� VMPF�NE)t13�2) Wolte�s lCluwer Financial Ser�ices Page 6�f'17