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��15�1915 required by RESPA, and Borrawer shal�pay ta L�nder�he am�unt necessary to mak�up�he def�c�ency �n accardance with RESPA, but in na m�r�than �2 m�nthly payments. Up�n pa�ment in full af ail sums s�cur�d by this Se�:urity �nstrument, L�nder shall pramp�I� refund t� B�rrower an� Fun��heid by Lend�r. 4. Charges; L�ens. Borrower shall pay aIl taxes, assessments, charges, �n�s, and imposition� attributabl�to the Prop�r�y which can a�ta�n priority over this Securi�y �ns�runrzent, leas�h��d payments�r ground rents on , , the Pr�p�rty, if any, and ��mmunity AssoC�a�ian Dues, Fees, and Assessm�nts, zf any. To th�extent that th��e zt�ms are Escrow It�ms, Borrower shal�pay�hem in�he manner pra��ded in Sec�ion 3. Borrnwer shal�promptly discharge an� lien which has pr��r�ty o�er this Securi�y �nstrument unle�s Borrower: �a} agrees zn writing�o�he pa�ment af�he abiiga�ion s�cured by the��en�n a manner acceptabl� to Lender, bu�oniy so �ong as B�rrower is performing such agreement; �b� contests the��en�n good faith by, or defends agains��nfarcemen�af�he��en zn, legal proceedings which in Lender's apinion operate to pre�en� th�enfarcemen�of th��ien while th�s�proceed�ngs are pending, �u�flniy until such proc�edings are conc�ud�d; ar�G} secur�s from the halder af�h��z�n an agr�ement satisfac�ory to Lend�r subordinating the iien to thi�Security �n��rumen�. �f L�nder det�rmin�s that any par�of the Property �s sub�ect to a l�en wh�ch can a�tain priarity o�er�his Securit� �ns�rument, Lend�r may g�ve Barr�w�r a natice id�ntify�ng the��n. '�'i�h�n ��days of�he da�e on wh�ch that nat�c�is gzven, Borr�wer sha�� sat�sf�the lien�r take on��r rnore of�he ac�ions set far�h abo��in this Sec��on 4. Lender may require Barrower to pa�a�n�-t�me charge for a rea� es�ate tax ver�t�cat�on andlar repor��ng ser�ice used by Lender in connec�ion w�th th�s Loan. 5. Rroperty Insurance. Barr�w�r sha�i k�ep the�mpravemen�s now existing or hereaf�er erected on the Property �nsured aga�nst l�ss by fire, hazards inc�uded v�r�thxn the term "extended co�erage," and any oth�r hazards �nclud�ng, �ut no��m�ted�o, ear�hquakes and floads, for which L�nder requ�res insurance. This insurance shal�be rnainta�ned�n�he am�un�s �including deduG�ible l�vels} and for the per�ods �hat Lender requires. Wha� Lender re�uires pursuant to�he preceding sen�enc�s�an chang�during the��rm�f the Loan. The in�uran�e carrier pro�iding the insurance sha�l be cho�en by Borrnw�r su�ject t� L�n�ier's right t� disappr�ve Borrower's choice, which right shall n�t be exerci�ed unreasona��. Lend�r may require Borrower�o pay, �n connec�ion with this Loan, eit�er: �a} a ane-time charge for flaad�one d��ermi�na�ion, cer�i�icat�on and track�ng services; or�b} a�n��time charge far fload z�ne de�erm�na��on and�er��ca�ian services and subs�quent charges each t�me remappings or�imilar changes occur wh�ch reas�nably might aff�c�such determ�nation or certifica�ion. B�rrower shall alsfl b�responsible f�r the paymen�of any fees �mposed by�he F�deral Em�rgency Managemen�Agency �n c�nnec��on wi�h the re�i�w�f any flaod zone de�ermina�ion resu�t�ng from an ob��c�ion by Borrower. If Borrawer fails to main�a�n any�f the coverages described abo�e, Lender may ob�ain�nsurance c��erage, at Lender's apt��n and Barrower's expense. Lender is under no obliga�ion t�purchase any particular type flr amnunt of c�v�rage. Th�refore, such ca�erage sha�i cover Lender, bu�might or might not protect Borrower, Borr�wer's e�u�ty xn the Prflperty, or�h��ontents of�he Proper�y, aga�nst any risk, hazar�i or Iiabi�ity and might pra�ide greater or�ess�r caverage than�vas pre�ious�y in effe�t, Borrow�r ackn�w�edges tha�th�cost of th�insurance coverage sa flbta�ned n1�gh�significa.nti� exceed�he c��t�f insuranc�tha�B�rrower cou�d hav�obtained. Any amoun�s disbur�ed by L�nder under this Sec��on S shal�becQm�addi�iana� deb�of Borrower secured by th�� Securi�y�ns�rumen�. Thes�amount�sha�� bear�nteres� at th� No�e ra�e from�he dat��f d�sbursement and sha�I be paya��e, wi�h such in�eres�, upan notice fr�m Lender�o Barrov�er requesting payment. NEBRASKA-5ingle Fami�y-Fannie MaelFre�die Mac UNI�QRM[NSTRUMENT �arm 3�28�101 VMP U VMP�(N��(13��1 Wolters Kiuwer Finan�ia�5er��ces Page fi❑f 17