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��1 5��7� r�quired by RESPA, a��d Borrawer shall pa�to Lende,r the amaunt�aecessar�r �o make up �h�def�c�ency in aG�ardanc�with RESPA, but in na rnore than �2 mon�hly paymen�s. Upon paym�nt in full af a�l sums s�cured b�thzs Security Instrument, Lender s�ail pramp��y refund to Borrower any Funds he�d��r Lend�r. 4. Charges; Liens, Borrower shal�pay aI�taxes, assessm�nts, �harg�s, �znes, and impositions attr�buta�le to the Praper�y wh�ch can a�ta�n prio�rit�o��r�his SecUrity �nstrument, �easehald payments ar graunr�rents on the Praper�y, �f any, and Community Ass�ciation Du�s, Fees, and Asses�m�nts, if any. T��h�extent tha� these items are E�cr�w �tem�, Borro��r sha��pay �hem in the manner pro�ic�e�in 5ecti�n 3. Borrow�r shall promp��y dzscha�rge any��en which has�riari�y o�er this SeGurity Instrumen�unless B�rro�er: �a) a�rees in wrzting�a�he payment of the ob��gat�an se�ured by the lien in a manner acceptable �a Lender, but onl�so Iong as Borrow�r is perf�rming such agreement; (b}cantests th�l�en in�ood fa��h by, ar defends against er�far��ment�f�he��en in, ��gal proceedings�vhich in L�nder's oginion operate to pre�ent the enfflrcem�nt of th��ien v�rhi�e those proceedings are p�nding, but�nly un.tii su�h pr�ceedings ar� concluded; ox�c}secures fr�rn the ho�der of�he lien an agreemen�satisfactary ta Lender subard�natin� �he ��en to th�s Security�nstrumen�, �f Lender determines that a.ny part�f the Prop�r�y xs subject to a��en which ca�.atta�n priarit�aver thi�Securit� �nstrumen�, L�nd�r may giu�Barrower a nat�ce id�ntifyin�the lien. W�th�n 1 a da�s of the date on wh�ch that nfl��ce is given, B�rraw�r sha�� sat�sfy �he�ien or take ane or more of�he ac�ions set for�h ab�ve�n th�s Sectian 4. L�nder may require Borrower�o pay a�ne-t�me char�e f�r a�real estate�ax��x�f��a��c�n andlar�repQr��ng service used by Lender in��nnec�ion with�his Loan. 5. Prvperty Insurance. Borr�v�rer sha�l keep the im�ra�ements now exist�ng or hereafter�re�ted an th� Proper�y insured against loss by fire, hazards includ�d�v�t�in�he terrn "extended�o��rag�," and any oth�r ha2ards�nc�uding, but nat 1�mited�o, �arthquakes and#��.flads, far whi�h Ltnder requ��re��nsurance. This �nsurance shall be main�ained in�he amoun�s�incXud�ng deduc�ible le��is} and�ar the periflds that Lender requ��res. �hat Lender re�uires pursuant�o�he precedirig s�nt�n��s�an chang�during the term of the Loan. The�n�urance�arrier prov�d�ng the�nsurance shall be cha�en by Sflrrower subjeGt to Lender's right�o disapprove Borrower's chaice, which right shal�no�be e�er�ised unreasonably. Lend�r may require Borrower ta pay, in cflnr�ec�ion with�his Laan, ��ther: �a}a�ne-time charg�f�r flaod zane d��ernlinatian, c�r�ificat�on and tracking servic�s; ar�b} a�n�-tim�charge for flood zone determ�nat�on and certi�icatian serv�ces and subs�quen��harges each i�me remappings or sirnilar char�ges oc�ur wh��h r�asonably m�gh� affect su�h determ�nation ar certi�catian. Barrower sha�ll a�s�be responsib�e for th�paymen�af any fees impased by �he Federai Em�rgenc�Managernen�Agenc�in�;onnection with the re��ew of any�ood zone d�termina�ian resulting from an ab�ec�ian by Borrower. �f Sorz�ower fail�t�ma�n�a�n any of the co�erages descr�bed abov�, Lender rnay abta�n insurance co�erage, a�L�nder's�pt��n and Barr�wer's exp�nse. Lender�s under no ab��ga�ion tfl purchase a.r�y par�icu�ar type or amoun�of co�rerage. Therefore, such coverage shal�co�er L�nder, bu�rnigh�ar might not p�ote��Borrawer, Borrawer's equity in the Prop�r�y, ar the contents af the Pr�p�rty, against any risk, hazard or lia�i�ity and m�ight provide great�r or�esser coverag�than was pr��ious�y �n effe�t. Barr�wer ac�novvledges that the cost of the insurance co�erage so obta�ned m.i€ght�igr�if�cant�y exceed the cast af insuranc�that Borrower could have�b�ained. An�amounts disbur�sed by Lender under�his Sectian S sha�l becom�add�tional deb�of Borro�er secured by thzs�ecurity �nstrument. These arnounts shall bear in�e�-est at the Nate rate from th� da�e of dis�urs�m�nt and sha��be pa�rable, v�rith such interest, upan not�ce f�om Lender ta Barraw�r requesting payment. N�BRASKA-Single�amily-Fann�e Mael�recfdie Mac UNlFORM 1NSTRUMElVT Form 30�8�101 VMP[g� VMP64N�}413a�y Wolters Kluwer�inancial 5er�ices Page fi of 17