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2� 1 ��34 requ�red�y RESPA, and Borro�rer sha��pay to Lend�r�he amount necessary to make up the deficienc�r in � accordance w�th RESPA, but �n no mare than �2 month�y payments. Upan paym�nt �n full of all sums secured by th�s Secur�t� �ns�rument, Lender sha11 promptiy refund t� Borrow�r any Funds held by Lender. 4. Charges, Liens. B�rraw�r sha�I pay all taxes, assessments, charges, �nes, and �mp�s�t�ans attributab�e to the Praperty�vh�ch can attazn pri�rity flver�his Se�urity Instrument, �easeho�d payments or�round rents on �h�Property, �f any, and��mmuni�y Assoc�atinn Due�, Fees, and Assessnnents, �f any. To �h�ex�ent that �hese�t�ms ar��scrow Items, Borrawer sha�� pay �he�m.xn�he mann�r pr��ided in Sectian 3. Borr�wer sha�l pr�mptly dis�harge any lien which has przor��r over this 5ecuri�y�nstrument un�ess Borrower: �a} agrees �n writ�ng to th�payment�f th�obiigation se�ured by th�I�en�n a manner acceptable �o L�nder, bu�on�y �a ��ng as Barrflv�er�s performing such agre�ment; �b} can�ests�h�lz�n in good fai�h by, � or defends against enforcemen�of the lien �n, �ega�pro�eed�ngs wh�ch in Lender's�pinian opera�e�o prevent �he enforcement of th��ien whi�e thase praceed�ngs ar�pend�ng, but on�y unt�l su�h�roce�dings are concluded; ar�c}secures fr�m the holder af�he lien an agreement sa�isfact�ry to Lender subard�nating the Iien t� this Securi�y �nstrumen�, �f L�nd�r determ�nes that any par�nf�he Property is subject to a��en v�hich can at�a�n prior�ty a�rer thzs Secur�ty �nstrument, Lender may gi�e B�rro�ver a notice identif��ng th��en. ��th�n ��days�f the dat��n wh�ch that no�ice�s gi�ren, Barrower shall satisfy the�ien or take one or more of th�actians set forth ab�v� in�his S�ction 4. Lender ma�re�uire Borr�wer to pay a one��im�charge for a rea� esta�e tax�erifica�ion andlQr repar�ing serv�ce used by Lender in cflnnect�fln�ith this Loan. 5, Property lnsuran��. Borrov�er shall keep th��mprov�men�s n�w ex�st�n��r h�reafter ere��d on the Praperty insured against loss by fire, hazards inc�uded with�n the�erm "extend�d coverage," and any�ther hazards includinb, bu�na�l�mited to, earthqua�es and f�aods, for whi�h L�nd�r requires insur�nce. This insurance shal� be ma�nta�ned �n�he amounts �including deductible Ie�els} and for the periods that Lender requ�r�s. Wha�Lend�r requ�res pursuant to�he preced�ng sentences can�hange during the term of�he Loan. The insurance carrier providing�he insuran�e sha�l be chosen by Borrawer sub�ect ta Lender's right tfl disapprove Borr�wer's chfli�e, vvhich right sha�l n�t be exerc�s�d unreasonab�y. Lender may require Borra�er ta pay, �n conn��t�on wi�h this Loan, ei�her: �a} a on�-tim�charg� �or f�ood zone de�ern��na�ion, c�r��fz�at�an and tracking services; or�b} a one��im��harge far flnod zane de�erminati�n and�erti�'ica��on services and subs�quent charges�ach�in�e rem�.appangs�r szm��ar�hanges o�cur wh�ch rea��nab�y migh� affec�such determination or certif�ca�ion. Borro�ver sha�I a�sa be resp�ns�b�e for the paym�nt of any fees impos�d by the Federa� Emergency Manag�men�Agency in connecti�n vvith t�ae re�iew�f any flood zone � de�erm�nation resu�tin� frflm an abjec�ion by Barra�v�r. �f Borrower fails�o maintain any af the coverages de�cr�bed aba�e, L�n�er may�bta�n insurance cnverage, . at Lender's option and Barrower's expense. Lender is und�r no ob��gat�on ta purcha�e any par��ular t�p�ar amount af ca�erage. Therefore, such�a�erage shal� cover Lend�r, but might ar migh�no�protect Borravver, Borro�wer's equ��y �n�he Property, ar the cont�nt� af the Property, against any risk, hazard ar lia�ility and xn�ght provzde breater or�esser coverag�than was pre�i�usly in effect. Borrower acknowiedges that the cost of the insurance co�erage so obtained rn�ght s�gnz�cant�y exceed the cast of�nsurance�hat Borr�wer cou�d ha�e obtain�d. Any amoun�s d�sbur��d by Lender under th�s S�ction 5 shal� becom��addit�onal debt af . B�rrower se�ured by this Se�urzty �nstrument. Th�se am�unts shail bear int�rest at the Nat� rate fram the date af dis�ursement and shall be pa�ab�e, �v�th such int�r�st, upnn nat�ce fram Lend�r�� Borr�wer requesting payment. NEBRASKA-5inc�le Family-Fanni�MaelFreddi�Mac UNIFDRM INSTRUMENT Farm 3Q28 11Q1 VMP� VMPfi�N�]{13��f Wolters Kluwer�inancial 5er�ices Page fi❑f 17