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2� 15�8598 - requ�red by R�SPA, and B�rr�wer shall pay to Lend�r the am�un� ne�essary ta make up �he d�f�cien�� in accordance w�th RESPA, but in na mar��ha�n IZ m�nthl�paymen�s. Upan paymen��n fu�l of a1� sums secur�d by this Secur��y Instrument, Lend�r shall promptly refund to Borr�wer any Funds held t�y Lender. 4, Charges; Liens. Barrower shail pay a�l taxes, asse�sm�nts, charges, fine�, and imp�sitions a�tributable to the Prope�.y which can attain�riority a�er this 5ecurity Instrument, �eas�h��d paymen�s ar gr�und rents an the Property, if an�, and�ommuni�y Association �ues, Fe�s, and Assessments, �f any. Ta the exten� that the��t�ms are Escr�w ��ems, Borrow�r sha��pa��hem in the manner prov�ded �n Sect�on 3. Borrou�er sha��prompt��r discharge any��en which has pr�orzty o��r�h�s Secur�ty �ns�rument un��ss Borrower: �a� agr��s in writing�o the payn�ent of the�bligation s�cured by the Iien in a m,anner accep�able to Lender, but on�y sa �ang as B�rrawer is perf�rming such agr�em�nt; �b}cantes�s the Iien in go�d faith by, or defends agains��nforc�ment�f the lien in, l�ga�praceedings whi�h�n L�nder's ap�ni�n operat�ta prevent �he enforcemen�of the�zen wh��those proce�dzngs ar�pend�ng, but�nl�un�� such proceed�ngs are �onc�uded; �r�c} secures frorn th��o�der of the��en an agreement satisfac��r��fl Lend�r�ubardinating the lien�o �his S�cur�ty �nstrurnent. If Lend�r d�term�nes that any part af the Prape�ty is subject�o a lien which can a�tain przor�ty o��r this S�curity Ins�rument, Lend�r may gi��Barro�ver a notice identify�ng the lien. W�th�n ��days of�he da�e on which that natic�is gi�en, B�rrawer shal� satisfy the li�n or take an�or more af the actions set forth above in this 5�ctian 4. Lender may require Borr�wer t�pay a�ne-time charg�for a rea� estat��ax�er�f�cat�an andl�r reporting service used by Lender�n c�nnect�an wzth this L�an. 5. P�operty �nsurance. Barrawer sha�l ke�p the�mpr��ments now existing ar hereaf�er erected on the Property �nsured agains��oss by fire, hazards in��ude�within the term "extended c�verage," and an�r a�her hazards inc�ud��g, bu�no� limited�o, �arthquakes and flaods, fnr which Lender re�uir�s insurance. Th�s �nsuranc�shal�be main�ained in the am�unts �including dedu��le��s} and far�he perxod�that Lender r�quires. What Lender requires pursuant ta the preced�ng s�n�en�es can�hang�durxng the term of the Laan. Th�insurance carrier prov�d�n� �he insurance sha�� be chosen b� Borrawer sub�ect�o Lender's right�o disapprove Bflrro�v�r's�ha��e, v4rh��h r�ght shal� nat be e�ercised unreasflnably. Lender ma�require Borraw�r to pay, in cannectian with this Loan, either: �a) a anewt�me charge for flood zane determinatian, certifi�at��n and tracking ser�i�es; or�b} a aneWtime charge far �`�ood zon�d�termination and cer�ifica�inn serv�ces and subsequent charges each time remappings nr similar changes o�cur v�hi�h reasanably might affect such det�rm�nation ar cer�if�ca�ion. B�rrouler shal� a�s�be responsible for the payment of any fees impased by the F`ederal Emergency Management Agency �n connect�on w��h the rev�ew of any ��ood zone de�erminati�n resulting fram an object�on b�r Bflrrower. If Borrovver fai�s t�ma�ntain any �f the c�v�rages d�scribed above, Lender may ab�ain insurance cav�rage, f at Lender's nptian and Borro�ver's expense. Lender is under no obligation�a purchase any par�icular type�r amount of�overage. Therefare, such caverage shall cov�r Lender, but might or might not protect Borr�wer, Borravver's equity in the Property, or the�ontents of the Property, aga�ns�any r�sk, hazard or�iab��zty and might provide greater or lesser co�erage than u�as prev�ausly �n effect. Borrflwer acknowledges that th��os� of�he insurance coverage so ob�ained might s�gn�f�ca�atl�exce�d the co�t of insuranc�that Barrower Gould have obtaxned. Any amoun�s d�sbursed by Lender under�his Section 5 shall b��ame addit�nnal debt of Borrower secured by this Securi�y Instrument. These amaunts shali bear zn�eres�at Che N�te rate from the date af disbursement ar�d shali be payabie, �vith such�ntere��, up�n nnt�ce frnxn Lender�o�3orrnwer request�ng payment. N�BRASKA-Sinc�Ie Family-�anni�M��1Fr�ddi�Mac UNlFDRM INSTRllMENT �arm 3Q28 11Q1 VMP� VMPfi{N�}413D2} Wolters K(uwer Financia!5er�i�es Page 5 of�7