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2� 1 ��7943 required by RESPA, and B�rrawer sha�� pay �� Lender the amaun�necessa�zy t�make up the def�c�enc� in accardance with RESPA, but in no mor�than ��monrh�y payments. Upon payment �n fu�� af all sums se�ur�d by �his Security Instrumer��, L�nder shal�prompt�y refund�� Borrower an�r Funds heid by Lender. 4. Charges; Liens. Borrow�r shal�pay all ta�es, assessments, charg�s, fines, and impos�t��ns attri�u�ab�e�o �he Prop�r�y v�hich can atta�n pri�r�ty��r this Securit� Ins�rument, ��as�ho�d paymen��or graund rents on �he Proper�y, if a�.y, and�ommun��y Ass�cia�ian Dues, Fees, and Assessm�nts, �f an�. �'a the e��en��ha� these items are�scrow �tem�, Bflrrovver shal�pay �hem�n the manner pr��r�ded�n Sec�ion 3. Borrow�r shali pr�mp��y discharge any�ien which has prz�r��y aver th.zs Secur�� ns�rumen�uni�ss Borro�ver: �a} agr�es xn writ�ng�o the payment�f the ab��gatzon secured b�r�he��en zn a mann�r acceptable ta Lender, bu�only s� �ong as Borrow�r�s performing such agreement; ��} c�ntests the li�n in g�od faith by, or d�fends against�nforcemen�of the iz�n�n, legai proceedings�vhich �n Lender's opinion opera��o prevent the enfor��men��f the l�en�vhi��hose proceedzngs are pending, but�nly un�il such prac��d�ngs are c�nc�ud�d; �r��} secures f�rom the h��der af the�z�n an agreem�nt satisfactory ta Lend�r subardinat�ng th� ��n�a thx�Se�ur�ty�ns�rument. �f Lender determines that any par�of�he Proper�y is subjec�ta a lien which �an attain pr'��r��y�w�r this�ecurit�Instrument, Lender may gi�e B�rrawer a not�ce�dentifying the lien. Wi�h�n �Q da�rs flf the dat��n wh�ch that natice is gi�en, Borro�er shal� sat�sfy�h��xen flr tal�e one or more of the actions set f�r�h abo�re�n�his�ecti�n 4, I�end�r ma�r�qu�r�Barrower to pay a one-time charge far a rea� es�ate�ax v�r�f�cat�on ax�dlor repor��ng serW�c�used by Lender�n connection w�th this Loan. 5. Pr�perty tnsu�ance. Borrower sha��keep the improvements now existing ar hereaf�er erected on th� Proper�y �nsured against lass by fire, hazards zncluded within�he�erm "ext�nded co�erage," and any�th�r hazards �nc�ud�ng, but no��mited�o, �arthquakes and �loods, far wh�ch Lender requires �nsurance, Th�s �nsurance sha�� be maintained �n the amoun�s �including deduct�b�e levels} and for�he periods tha�Lender r�quir�es. �Vhat Lender requ�res pursuant to the prec�ding sen�ences can change dur�ng the term of th�L�an. Th��nsura.nce carrier prav�d�ng�he�nsurance sha��be chosen�y Borrov�v�r sub�ect to Lender's r�ght to disappr�We Borrflwer's choic�, which right sha�i nfl�be�xercised unreasonab�y. Lender may require B�rrower t�pa�r, in connec�ion with �his LQan, e�th�r: �a} a one-tirn�charge for flnod zane determination, c�r�if�cat�on and track�ng �er�ices; nr�b} a�ne-time char�e for flaad zone de�erminat�on and cert�f�cat�an services and subsequen�charges each��me remappings or sxmi�ar changes occur wh�ch reasonab�y migh� affect such determination or c�rt�fcation. Borrower sha�� al�a be respons�b�e far the paymen�of any fees impased by the Federa� Emergenc� Management Agency in connec�ian vv�th the re�iev�of an� f�ood 2ane de�erminatxon resui�ing from an objection by Borra�ver. �f Borraw�r fails t� ma�ntain any of the��v�rages descrihed ab��e, Lender may abtaxn insurance co�verag�, at L�nd�r's opti�n and Borro�ver's expense. Lender�s under na ob��gat��n to purchase an�r particular�ype or amount of co�erage. Therefare, such coverage shal� cover Lender, bu�m�.gh�ar might not protect Borrovv�r, Barrower's e4ui�y in�he Prop�rty, �r�h��ont�n�s �f the Prop�rty, against any risk, hazard or l�abi�ity and m�ght provide grea�er or l�sser co�rerage than was pr�viausly in eff�ct. B�rrower acknowledges �hat the cos� �f the insurance ca�erage so obtained m�ight s�gnif�cant�y e��ed�he cost of insurance�ha� Borrower c�uld have obtained. Any amounts disburs�d by Lender und�r this Section 5 shall bec�me additiona�debt of B�rrower secured by�hi� S�curi�y Znstrum�nt. Th�s�amaunts shall bear in�er�s�a�the N'ate rate frorn�he date�f dzsbursement and sha�i be payable, with such interest, up�n notice from Lender�o B�rro�er reques�ing payment. NE8RA5KA-Single�amily-Fannie MaelFreddi�Mac UNIF�RM INSTRUM�NT Fvrm 3Q28�ID1 VMP[� VMPfi4N�}t13�2j Wolters�luwer Financial 5er�ices Page 5 af�7