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2� 1 ��37 requYr�d by RESPA, and Borrower shall pay�o Lender�he amount necessary to make up�he def c�ency in accardance�ith RESPA, bu�in no more�han �2 mnnthly payments. Upon payment�n full of ail sums secured by this Security Instrument, L�nder shail promptly refund ta Borrawer an�Funds held by Lender. 4. �harges; Lxens. Borro�ver sha�1 pay a1.1�a,xes, a�sessments, charg�s, fines, and imposi��on�a�t�ibutab�e to the Prvp�rt3�which can attain priori�y o�rer tihis Se�urity In�strument, leasehold payments ar ground rents nn the Property, if any, and Commuruty Ass�ciation Dues, Fees, and Ass��sments, �f any. To the e�tent that �hese items ar�Escro►�v Items, �rro�er sha��pay them in the manner pro�ided in Section 3. • Borrawer sha.i�promptly dis�harge any lien which has pr�or�ty��rer thxs Securi� �nstrument unless Borrower: ta}agre:es in writing to�he paym�nx of�he obliga�ion s�cured b�the 1�en in a manner accep�able to Lender, but aniy s��ong as Borrower�s performing such agreement; (b}contests the�xen in gvod faith.by, or defend�aga�nst enfarcement of the l�en in, Iega1 proc,eedings which in Lender's opini.an operate to pre�ent the enforcement nf the I�en whiie�h.ose proceedings are pending, but only until such pro�lings are concluded; or�c�se,cur�s from the halder of the lien a.n agreement sat�sfact�r�ta Lender subard�r�axing the �ien to�h�s Securi�y Ins�rument. If Lender de�ermin�s that any part of the Praper�y�s subject�o a Iien which can a�tai.n pr�vrity over thxs Secwr�.�y Lns�rumen�, Lender may grve Borrower a na�ice identifying the Iien. �V'ithin I�days af the date on which that notice is given, Borrov�r�r shalx satisfy the�xen or take one or more of�he actians set forth abo�e in this Section 4. Lender ma�r�quire B�rrawer�o pay a an�--�ime charge for a real es�ate tax�er�fication andlor report�ng serv�ce used by Lender�n cannect�on wxth this Loan. 5. Praperty lnsurance. Borrower shal.l keep the imprv�emenxs now exis�ing�r h�reafter erecte.�i on�he Properry insured aga�nst loss b�r�re, ha,z�rds included within the�erm "extended caverage," and any o�her hazards including, but not�xm.i��ed to, ear�hquak�s and flo�ds, for whxch Lender requires insurance. Th�s �n.suranc.�sha11 be maintained in�he amounts�in�luding deductibl�1e��ls}and for�he per�ods tha�L.�nder requires. What Lender requires pursuant ta�he preceding sentences can change during the�erm of the Loan. The insuranc,e carrier pro�iding the insurance shail be chosen by Barrawer subject ta Lender's righ�xa disappro�re Borrower's choic.�, �rvhi�h right sha11 no�be ex�rcised unreasanabxy. Lender ma.y requrre Borrov�r�r to pa�, in cannection�ith�his Laan, eith�r; �a} a an�-time charge for flood zone determina�ion, c�r�ification and tracking services; or tb} a one-time charge far f��od zone detenminaxion and certxf catian services and subsequent charges each�i.me remappings or simixar changes occur�crhich reasonabiy nught affecY such deter�minatinn or cer�i�ca�inn. Borrawer shall also be respor�sible for the paymen�of any fees impnsed by the Federal Emergency Mana.gement Agency in connection with the re�iew of any flood zone dexerminat�on resulting fr�m an obj�t�nn by Borrower. If Borrawer faiis ta maintain any of the co�erages descr�bed abo�re, Lender may obtain�nsurance ca�erage, at i.End�r's aption and Borrower's expense. Lender is under no ob�iga�i�n to purchase any particular type or amount af ca��rage. Therefore, such co�erage sha�.x ca�er Lender, bu�mxght or migh�not protec�Borrovver, Borrovver's equity in the Property, or�he cantents of�he Praperty, agains�any r�sk, hazard or xxabxx�ty and migh�pro��de grea�er or lesser co�erage than�vas pre�ious�y in effect. Barrower acknnv�Iedges�ha�the cost af the�nsuranc�coWerage so obtained might signifrcant�y exceed the cost of insurance that Borrovver could ha�e ob�ained. Any amounts d�sbursed by Lender under�h�s 5ectian 5 sha.I1 b�ome addi�iona�debt af Borrower secured by this Security�nstrum.ent. These amounts shal.l bear inter�st at�he Note rate from the date of disbursement and shalx be payable, urith such in�erest, upon not�ce from Lender ta B�rrower requesting payment. N�BRASKA-Single�ami�y-�anrne MaelFreddie Mac UN[F�RM�NSTRUM�NT Form 3028 11D'I VMP� ' VMP6(N�f�1302}.�0 Waltsrs Kluwer Financial Services Page fi of 17