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��15�1355 required by RESPA, and Borrower shal�pay �o Lend�r th�amount necessary�o make up the d�f�c�ency in accordance w�th RESPA, �ut�n no mflre than �� rnanthly paym�n�s. Upon payment in fu�� of a�l sums se�ured by this Security �nstrumen�, Lender shall prompt�y refund to Borrow�r an� Fund�held by Lender. 4. �ha�ges; L�ens. Barrower shali pa� aI� taxes, assessm�nts, �harges, f�nes, and impositions attribu�able ta the Proper�y whi�h�an a�ta�r�pri�rity o�er this Se�urity �nstrument, ��aseha�d payments or ground rents an the Praper�y, �f a�.y, and �ammuni�y Assoc�a��an Dues, Fees, and Assessmen�s, if an�. To the ex�ent that thes�i�ems ar�Escrow ��ems, Borrawer sha��pay them in the manner provided �n Sec��n 3. Barrawer shall prampt�y d�scharg�any �ien whzch has priorit�o��r th�s Secur�ty �nstrument un�es� Borrower: �a� agre�s in writing t� the paymen��f the ab��gat�nn secur�d by�he lien in a manner accep�abl� ta Lender, but�n�y s� �ong as Barrower�s perf�rm�ng �uch agreement; �b} cantests the lien in g�ad faith by, �r def�nds agains��nforcement af the�zen�n, �egal praceedings which in Lender's�pin�an operate�o prevent th��nf�rcement�f the lien wh��e�hose pr�ceedings are p�nding, �ut anly unti� suCh proceed�n�s are cone�uded; or�c} secures from the halder of�he lien an agre�men�sa�isfactory to Lender subardina�ing the lien�a�his Se�uri�y Instrument. If Lender d�termines that any par�of�he Property is subject ta a�ien whiCh can a�tain przarity o�er this Securi�y �nstrument, Lender may giv�Barrower a not��id�n�zfyzng�he��n. Within ��days of�he da�e nn wh�ch tha�n�tzce�s g��en, Borro��r sha�I sa�isfy th��i�n or take one or more of�he ac��ans se�for�h above�n th�s 5ec��n 4. Lender ma�require Borrov�er to pay a onert�m�charge for a real esta�e�ax�er�f�catian andlor repar�ing service used by L�n�ier in conne�tion w�th this Loan. 5. Property Insurance. Borr�wer s�.a�� keep the�znpravements n�w exis��ng�r hereafter erected on the Pr�perty �nsured aga�nst las�b�r fzre, hazards included v�ithin the�erm "e�tended ca�erage," and any ather hazards including, but na�l�m�t�d ta, earthquakes and f�aods, for which Lender requ�res �nsuranc�. This insurance shall b�main�ained in the amounts �including deductib�e�eve�s} and for th�p�riod��hat Lender requires. What L�nder requires pursuant t�the preceding sentences can change during the term af the Loan. The insurance Carrier pr�viding the insurance sha�l be chosen by Barro�ver subje�t t�Lend�r's r�ght�� disapprove Barro�er's choice, wh�ch righ� sha�� no�be e�ercised unreasonab�y. Lender may r�qu�re Barrawer�o pay, in connection.v��th�s Loan, ezth�r: �a} a ane�tim��harge for fl��d z�ne determinatian, cer��icat�on and track�ng ser�ic�s; or�b}a on�-time charge for flaad zone d��rnr�.inati�n and certificatian servic�s and subsequ�n�charge�ea�h�im�remappings�r s�mz�ar chang��oCcur which rea�onably migh� affect su�h determina�ion ar certif�catian. B�rr��ver sha��also be responsib�e far the payment of any fees impos�d by�he F��era� Emergency Management Ag�ncy in connect�on wi�h the r�Wiew of any f�ood zone d�t�r�m.�nat�on resu�t�ng fr�m an abj ect�on by Borrawer. �f Barr�wer fa��s tfl ma�n�ain any of�h�co�erages desGribed ab�ve, Lender may abta�n�nsurance co��rage, at Lend�r's op�ion and Borrawer's�xpense. Lender is under na o��gat�an�o purchase any par�icular type or amount of co�erage. Therefore, such co�erage sha�� ca�er Lender, but rnight or might not prate�t Borrower, B�rrower's equity�n the Property, or the c�nten�s af�he Proper�y, aga�nst any risk, hazard�r l�ab��ty and m�ght prow�de grea�er�r��ss�r caverag�than was previous�y in eff�ct. Borrawer acl�nowledg�s tha�the cos� af the insuranc��a�erage�o abtained migh�significantl� exceed�he cost�f insurance that Borrower c�uld have obtained. Any amounts d�sbursed by L�nder under this Sect�on 5 sha�l�ecome additional��bt nf Borrower secured by th�s Security In�trumen�. These amounts sha��bear interes�at th�Not�rat�fram the date of disbursement and shai�b�payabie, with such�nterest, upan not��fr�m Lend�r t� Barr�wer r�questing payment. NEBRASKA-5ingl�Family-Fannie MaelFreddie Mac UN[�QRM iNSTRUM�NT Farm 3�28�ID1 VMP� VMPfi�N�}�13�� Watters Kluwer�inancial 5er�ices Page fi o�17