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2� 1 �� 12� �. requ�red by RESPA, and Borrower shall pay tn Lender the amoun�neGessary t� make up the def�c�ency in , accordance with ��SPA, but in no m�re tha.n 1�manthly payments. Upan payment in full of all sums secured b��his Securi�y Ins�rument, Lender shall pr��p�l�refund to Barro�ver any Funds held by Lender. 4. �harges; L�ens. B�rr�w�r sha��pay a�� axes, assessmen�s, charg�s, f�nes, and �mpositions at�ributab�e to the Property wh�ch can a�ta�n pr�or�ty a�er�his S�curity �nstrument, Ieasehald paymen�s or ground rents on the Prflp�r�y, �f any, a�ad�ammunity Assaciation Dues, Fees, and Assessmen�s, if any. T� the extent�hat � thes� �tems are Escraw �tems, Borrav�er shall pay them in the manner pro��ded in Sec��on 3. B�rr�w�r�hall promp�Iy dis�harg�a.n��n wh�ch has pr�nrity over�h�s Security �nstrument unless Borrow�r: �a} agree��n wr�t�ng t�th�payment of�he ob�igation secured by �he lien in a manner acceptab�e tfl L�nder, but onl�so Ion� as Borrower i�perf�rrning such agreement; �b} c�ntests the lien in good faith by, or defends against enforcement af�he lien in, legal proceedings which in Lender's op�n�on operate to prevent the enforcement af t�e lien While those proceedings ar�pend�ng, but an�y unti� such proceedings are conc�uded; or�c} secures from th�ho�der of�he�ien an agreement sat�sfactory to Lender subar�inating the l�en to this Secur�ty Xnstrumen�. �f Lender determ�nes that any part af the Proper�y is subj�ct to a lie��which can a��a�n pr�or�ty over this Security Instrument, Lender may g��e Borrati�r�r a natic��entify�ng the�i�n. � ��th�n ��days�f the da��an�hich that no�ic�is giv�n, Barr�wer sha.�� sat�sfy the�z�n nr take ane or more of�he actions �et forth ab��e in thi� S�c�xon 4, Lender may r�qu�xe Borrower�o pay a�neW��me charg�for a r�al estate tax�erifica�i�n andlor repor�ing ser�ice used by Lend�r�n c�nnection with this Loan. 5, Prvpe�ty �nsurancs. Borrow�r shali k�ep the improvemen��now existing�r hereafter�rected on�he Pr�perty insureci a�ainst loss by f�re, ha2ards included with�n�he�erm "ex�e�.ded�o��rage," and any oth�r hazards includin�, but not limited to, �arthquakes and flaods, far vvhich L�nder requ�res insurance. This insurance sha�� be ma�nta�ned in the amaunts ��nc�uding deductible level�}and far the periods that L�nder requires. �Vha� Lend�r r�qu�res pursuant to �h�pre�ed�ng sentences can change dur�ng �he term of�he Loan. The �nsurance carri�r providing th� insurance sha�l be chas�n by Borr�wer subject to Lender's r�gh�to d�sapprove B�rrow�r's ch��ce, which right shall nnt be exercised unr�asanabl�. Lender may requ�re B�rro��er to pay, �n conne��on wi�h th�s Lflan, e��her: �a} a one-time charge far��ood zone de�ermination, cer�ifica�inn and tra�king s�r��ces; Qr�b} a one-t�me charge for fload z�ne de�erm�nation and c�rtif��at�on servi��s an�subsequ�nt charg�s each time remappings or similar chan�es occur which reasonably might affect such determination or cer�if�cation. Barrawer shall also be respons�b�� far the payment of any fees � inlposed by the Federal Emergency Nlanagem�nt Agency �n connec��on�v�th the rev�ew of any ��.oad zon� determination result�ng from an�bject�on by Borrotiver. If Borrower fazls to m�ain�ain any of the cov�rages descr�bed above, L�nder ma� obtain insurance coverage, at Lender's apt�on and Borrower'� exp�nse. Lend�r is under n�ob�igation tfl purchase any part�cular typ�or amaunt af c�verage. Therefare, such coverage sha��caver Lender, but m�ght or m.�gh�no�prQtect Borrow�r, Borrower's equity in the Proper�y, or the contents of�he Property, against any r�sk, hazard or lia�iiity and m�ght pra�ide greater or�esser coverag�than was previously �n effe�t. Borrow�r ackn�wle�ig�s that�he C��t of the �nsuran�e c��erage so obta�ned might s�gnzficantly ex��ed the cost of znsuran�e�ha�Borrower�au�d have obtained. Any am�unts d�sbur�ed by L�nder und�r th�s Se�t�on 5 shall be�ome additiflnal debt�f � Borraw�r s��ured by�h�s Security �ns�rument. These am�unts s�all bear interes� at the Note ra�e from the date af d�sburs�ment and sha��be payable, �vi�h �uch interest, upon notice from L�nder t�Borr�wer reque�ting payment. NEBRASKA-Single Family-Fannie MaelFreddie Mac UNIFORM�NSTRUMENT Form 3428�1�1 VMP� VMPStN�f��3�2� Wolters Ktuwer Finar�cial Ser�ices Page fi o#17