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2� 1 �� 13� required by RESPA, and Barro�er shall pay�o Lender the amount necessa�y to make up�he de�ciency in acc,�rdance with RESPA, but i.n.n�more than �2 mon�hly payments. Upon payment in fuli of a1I surns secured by this Secur�ty�nstrument, Lender shall promptly refund to Borr�wer any Funds held by Lend�r. 4. Charges; Liens. Borrov�er sha��pay a11�axes, asses5ments, charges, fines, and impositions attributable to the Property whxch can attain priority o�er this S�curity Insxrument, leasehold payments or ground rents on the Property, if any, and Commuruty AssociatYon Duesg Fees, and Assessments, xf any. To the extent that these items are Escrow��ems, Borrower sha1�pay�hem in the manner pra�ided in Sectxon 3. Borrower shall prompt�y discharge any Ixen v�rhich has prior�ty o�rer�his Security Instrument uniess �rrower: �a}agrees in wri�ing to the payment�f the obligat�on secured.by the�ien in a manner acceptable to Lender, but only so�ong as Barrvwer�s performing such agreementi; (b}contests the lien in good faith by, or defends agaxnst enforcemen�of�he lien in, Iega�proceedings whxch in L�nder's opuv.an operate to pre�ren� the enforcement of�he lien�vhile�hose proceedings are pendxng, but on1�r unt�1 such praceed�ngs are conc�uded; or�c} secures from the holder af the lien an agreement satisfactory ta Lender subordinating the Iien to�his Secur�ty�nstrum�nt. �f Lender determines that any part af the Property xs subject to a�ien�hich can at�a.in priority o�er thxs Se.�urity Instrument, Lender may gi�e Borrov�er a notxce identifying the��en. Wi�hin IO da�s of tihe da�e an v�rhi�h that no�xce is gi�en, Borrower shal� satisfy the lien or ta.�e one or more of the ac�ians set forth abo�e�n th�s 5ection 4. L�nder may require Borra�rer�o pay a one-time charge f�r a rea�esta�e tax�erifica�x�n andlor repart�ng service used by Lend�r in connection with this Loan. 5. Property Insurance. Barrower sha.xx keep the impro�rements now existing or hereafter ere�ted on the Praperty insure�against loss by f�re, haz�.rds included within the term "extended co��rage," and any other hazards inciuding, but not 1 imited to, earthquakes and fioads, far which Lender requires znsurance. Thxs �nsurance sha1l be ma�ntained.in the amounts��ncluding deduct�bXe Ie�e�s} and far the per�ods�hat Lender requires. Wh.at I.�nder requires pursuant�o the precedi�.g senten�es can change dur�ng�he term of�h�Laan. The insurance carr�er pro�iding the insurance shaii be chosen by�rrower subjecx to Lender's right to disappro�e Barr�w�r's choice, whxch right sha11 no�be exercised unreasonabl�. Lender may requxre Borrower�o pay, in connec�xon v�ri�h�his Laan, e�ther: �a}a vne-�ime charge for flood zone determination, cer�if cation and tracking services; or�b} a one�-time charge for flaod zone determina�xon and certif�cation ser�rices and subsequent charge�each xime remappings or simiiar changes occur which reasanabl�migh� affec�such determination or c�r��f ca.t�on. B�rrower shalx also b�respvn,sxble for the paymen�of any fe�s impased by the Fed�ra�Fmergency Management Agency in conn�ction virx�h�he r��iew of any flood zone deternunat�on re5u�ting from an ob,��ction by B�rrower. If B�rrower fai�s to maintain any af tihe co�erages descr�bed abo�e, I,ender may abtiaYn insurance c.�verage, at Lend�r's aption and Bvrrower's exp�nse. Lender is under no ohligation�o purchase any par�icular�ype or amoun�of caverage. Therefore, such co�erage sha11 co�er Lender,but might or mi.ght not protec�Borrower, Borrower's equity in the Properry, or�.h�conten�s of tihe Property, aga�ns�any r�sk, hazard or I�abi�ity and might pro�ide gr�ater or Iesser co�rerage than was prevxously in effect. Borrower acknov�ledges�ha�the cost of the�nsurance co�erage sa obta�ned migh�signif cantly exceed�he cost of�nsurance that Borrower couxd ha�e obta.ined. Any amounts disbursed by Lender under this Sectian 5 shall become addi�ional,debt of Borro�rer secured by this Securz�y Ins�rument. These amoun�s shalX bear interes�a�the No�e raxe from�he date of disbursement and sha11 be payable, vvith such in�eres�, upon notice from Lender�o Borrower requesting payment. NEBRASKA-5ir�gle Fami[y-�anrne MaelFreddie lVlac UNI�ORNf[NSTRUIVlENT Farm 3028'[ID'i VIVIP� VMPfi{N�){'i 302).QQ Wolters Kluirver Financial Services Page fi of'€7 � � � ��