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2� 1 ��7�� requ�red�y RESPA, and B�rra�ver shall pay to Lend�r�he amount n�cessary to make up the deficiency in accardan�e�vith RESPA, bu� in no more than ��month�y payments. Upon pa�ment in full af all sums secured�y th�s S�cur��y �nstrum�nt, L�nder sha�� prompt�y refund to Barrower any Funds held b� Lender. 4. Charges; Liens. B�rrower shail pay ai� taxes, ass�ssments, charg�s, �nes, and impasitiflns attributabie to the Pr�per�y wh�ch�an a�tain pri�rity over thi� Secur�ty �nstrument, l�as�hold paym�nts or graund ren�s on �he Pr�p�r�y, �f ara�, and �ommunity As�ocia�ion Dues, Fees, and Assessments, if any. Ta the��tent�hat �he�e items are Escro�v �tem�, Barraw�r shall pay them in��e manner provided in Sect�on 3. Borr�wer shall promp��y discharge an�lien which has pr�arity aver this Security �nstrument unie�s Borrower: �a} agrees in writing to�he payment of�he obligation secured by tne lien�n a manner acceptabie �o L�n�.er, but�n�y so long as B�rrower is perfarming such agre�ment; �b� contests the l��n in good faith by, or defends agazns�enforcem�n�of the lien in, iega�pro�eed�n�s which in Lender's opinion operate to prevent the enforcemen�of the��en wh��those proceedings are pend�ng, �u�fln�y un�il such pro�e�dings ar� conclud�d; �r�c} secures from the ha�der of�he lien an agreem�nt sat�sfac�ary�o Lender subordinating the �ien ta �his Securi�y Instrumen�. �f Lend�r det�rmines�hat any part�f the Property �s su��ec�to a��en which can attain priari�y ov�r�his Security�n�trument, Lender may gi�ve Borrawer a natice ident�fy�n�the lzen. �'�'ith�n 1�days of the date on wh�ch�ha�natice is given, Borr�w�r shall sa�isfy th�li�n or take on�or more of the actions set forth abave in this Sec�ian 4. Lender may requ�re Barr�w�r to pa�a on�-time charge for a real es�ate tax verifica�ifln andlor r�par�ing ser�ice used by Lender in conne�t��n wi�h�his Loan. 5. Pro�erty �nsurance. Barrower sha�� keep the�mpro�ements now exis�ing ar h�reafter erected on the Proper�y insured aga�nst Iass b� �re, hazards �nc�uded within�he term "e�tend�d ca��rage," and any o�her hazards in�luding, but nat Iimited�o, earthquak�s and ��oods, for which Lender r�qu�res insurance. This �nsuranc�shal� b�maintained in the amounts �includ�ng dedu�tible Ieve�s} and for the periads�hat Lend�r requ�res. �'hat Len�ler r�quir�s pursuant t� the pre�eding sentenc�s can change during the term of�h�L�an, The insurance carr�er pro�ic��ng the insuranc�shail be ch�s�n by Borrower sub�ec�ta Lender's ribht to disappr�ve Barrflwer's choice, wh�ch rzght sha11 not be exercis�d unreasonab�y. L�nder ma�r require Bnrravwer to pay, in cannection�vi�h�his Loan, e��her: �a} a�ne-time charge for f�oad zone determ�natian, �ertifica�ian and tracking s�rvices; ar�b} a one-��me charbe for f��d zone det�rminat�an a�r�d certif�cat�on servic�s and subsequent charges each tim�remappings or s�mz�ar changes o�cur which reasonabiy rn�gh� affec�such d�termination or cer�ifi�ation. Borrawer shal� a�sa be respansxbl�fa�r the payment�f any fees imposed by the F�dera� Emergency Mana�ement Agency in connect�on wxth rhe revzew af any flo�d z�ne determ�nat�on resu�t�ng from an objectinn by Borroti�v�r. �f Barrower fa�l��o maintain any af the G�v�rages de�cribed above, Lender mEay o�tain�nsuranc�cov�rage, at L�nder's option and Barrotiver's expense. Lender is under no n��iga�ion to purchase any par�ieular type or amount�f coverage. Therefore, such coverage sha�� cover Lender, �bu�might or might n�t prote�t Barrower, Borrflwer's equit� in�he Property, or the contents of the Proper��, aga�ns� any r�sk, hazard�r��ability an� might provzde greater or�esser covera�e�han was previously in effec�. Borrower ackn�w�ed��s�hat the cast af the insuranc�caverage so abta�n�d migh�s�gnif�cantly exc�ed the cos�of insurance tha�Borrower c�uld hav�obtained. Any amount�disburs�d by Lender under�his S��t�an S sha�l become additional debt of Barrower s�cured by th�s S�curity Instrun�ent. These amaun�s sha1�bear interest at the No�e ra�e from the da�e�f d��bursemen� and sha��be payable, with such interes�, upon no�ice from L�nd�r to Borrower re�uesting pa�n�ent. NEgRASKA-Singie Family-Fannie Mael�red�fie Ma�UNIFqRM INSTRUMENT �vrm 3a28'ft�1 VMP D VMPfi�NE}t�3Q2y Wolters Kluwer Fi�ancia!Ser�ices Page fi af 17