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��15��9�5 requ�red by RESPA, and Barro�er shal�pay t� Lend�r the amaun�nec�ssary �o make up the deficienc� in acc�rdance with RESPA, but in n�mflre�han �2 monthly pa�men�s. Upan payment zn fu1l of a�i sums secured by th�s Se�ur�ty Instrurnent, Lender sha�1 promptiy refund ta Borrower any Funds h�ld by L�nder. 4, Charges; L�ens. Borrower shall pay all taxes, assessments, char�es, �ne�, ax�d irnp�szt�ons attr�butabie t� the Property wh�ch�an a�tain priority o�er this 5�curity �n��rurnent, �easehold payments or�round ren�s�n . �he Property, if any, and Commun�ty Assaciation Dues, Fe�s, and A,�se�sments, if any. Ta the extent that �hese it�ms are Es�ra�v I�ems, Borrower sha��pay them in the manner provided in Sect�on 3. Borrower sha��prnmpt��discharge any iien v�hich has priflrity a��r�h�s Secur�ty �ns�rumen�un�ess Borrow�r: �a} agrees �n writ�ng �o the payment of th�obligation secured�y �he�ien in a manner accep�ab�e to Lender, but anly so �ong as Barrower is perforr��ng such agreement; �b} contest� the Iien in goad faith by, or d�fends again�t�nf�rcement of�he�ien in, �ega�proceed�ngs which in Lender's opinion operate to prevent �he enfor�ement of�he��en whi��h�se pr�ce�d�ngs are pend�ng, but on�y untx� such proCeedin�s are cancluded; or�c} secures from the hold�r of the�ien an agreemen� satzsfac�ary�o Lender sub�rd�nat�ng th� Iien ta this Securit� Instrumen�. �f L�nder determines�ha�any part of the Praperty is sub��ct�a a��n wh�ch can a��ain pr�arity over this Security �nstrument, Lender may gi�e Borr�uler a not��e iden�ifying the�z�n. '��hin �a da�s of the date on which that n��ice�� given, Borrower sha��sat��fy the��en�r take�ne or mare of the actz�ns se�far�h above in this Sect�on 4. Lender may require Borr�wer to pay a one-��m�e charge for a real �s�ate tax v�ri��ation andlor repor�ing servic�used by L�nder in cannect�on w��h�his Loan. 5. Prvpe�ty lnsu�ance. Barrower sha�� keep the improvements now ex�s�ing or hereaf�er erec�ed on�he Praper�y insured again�t�ass b� fire, hazards in�luded within the ter�m "extend�d coverage," and any other hazard� inc�uding, bu�not lim.�t�d�o, ear�hquakes and flnods, for wh�ch L�nder requires insurance. Th�s insurance shall be main�ained in th�am�nun�� inc�uding d�duct�ble�e�e�s} and for the peri�ds that Lender re�u�res. '�V�hat Lender requires pursuar�t�o the preceding senten��can change dur�ng�he t�rm af th�Loan. The �nsuranCe carrier pro�iding the insurance shall be chosen by BQrrflw�r subj��t ta Lender's righ�tn dzsapprav�Borrflwer's chfl�ce, which right shall not be e�ercised unreasanabl�. Lender may r�qu�re Borra�ver to pay, in conn�c��an wi�h this Laan, e�ther: �a} a ane-time charge for f�ood zone de�ermina��n, ��r�ifzca��on and�racking services; or��} a one-t�me charge far fl�od zone de�ermination and cer�ificatian serv�ce� and subsequent�harges each t�me r�m�appings or s�m�Iar changes occur whiCh reasnnably might affec� such determ�nat�on or c�rtificatior�. Barr�wer shal� a�so be r�spons�b�e for the paymen�of any fees irnposed�y �he Federal �mergency Manag�men�Agency in�anne�tion with the re�iew of any �.00d Zone de�erm�nation resultin�fram an�b��c��an��r Barrov�er. �f Borro�er fai�s t�ma�ntain any of�he co�erages descr�b�� abnve, Lender may obtain insurance coverage, at Lender's op��on and Borr�wer's expense. Lender is under n�o��xga��n�o purchase any particular typ�or amaunt�f co�erage. Therefore, �uch co�erage sha�l Cov�r L�nder, bu�xnight or mzght not pro�ect Bnrrower, Borrow�r's equity in the Praperty, ar the c�n�ents af the Property, against any risk, hazard ar liabi��ty and might pr�vide great�r ar Iesser coverag��han vvas pre�ious�y �n effec�. Borrow�r a�kn��l�dg�s that the cos� o�the insurance coverage so obta�ned might sign�ficantly exceed the c�st of�nsurance that Borrnw�r�nuld have�b�a�ned. Any amounts d�sbursed by Lender under th�� Sectian 5 sha��become addit�ona� de��f B�rr�wer secured by this Secur�ty�ns�rument. These amounts shall bear in�erest at the N�te rate from the dat�af d�sbursem�nt and shall be payab�e, w�th such �nterest, upan notice fr�m Lender to Borrovver requ�s�zng paym�nt. NEBRASKA-Singie�amily-Fannie Ma�IFretfdi�M�C UNI�DRM INSTRUM�NT Forr�-�3028�la� VMP� VMPF�NEj t�3�2� Wvlters Kluwer Financial Ser�ices Page fi Qf 7 7