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2� 1 ��8188 required by RESPA, and Borrower�hall pay �o Lender the amount ne�essary tfl make up the def�ciency in accnrdance wi�h R��PA, but in no rnore than I�rnflnth��paymen�s. Upon payrnent in fui� of a�� sums secur�d by th�s 5ecurity Instrument, Lender shall promp��y refund ta Borrower any Funds he�d by Lender. 4. Char�es; L�ens. Borrower shal�pa�al� �axes, assessments, charges, fines, and impasiti�ns attributabie to the Proper�y which can at�ain prior��y o�er this Security Instrument, leasehald payments or graund rents an �he Prapert�, if an�, and�ommunit�Associati�n Dues, Fees, and Assessmen�s, if any. Ta the exten�that thes�i�ems are Escr�w �tems, Borrav�er sha�l pa��hem in the manner provided in�ec�ion 3. � Borro�ver sha��pr�mptly discharge any lien which has prior'�ty flver�his Security �ns�n�.ment uniess . Borravver: �a} agree� in writing to the pa�ment of the obligati�n secured by �he Iien in a manner acceptabie t�Lender, bu�only so��ng as Borrower is p�rforming such agreement; �b} c�ntests the li�n �n good faith by, or defends against enforcemen�of the��en�n, le�a1 proceedings�hich in L�nder's apin�on�perate�o prevent the enforcement of the�ien wh��hos�proceed�ngs are gending, but on��un�� such proce�d�ngs are conc�uded; or tc} s�cur�s from the h�lder of the lien an agr�emen�sat�sfactory �� Lender subor�ina��ng the �ien�o this S�curit� Ins�rument. If L�nder de�ermines tha�an�part of the Property �s sub�ect t� a li�n which can at�ain priarity o��r th�s Secur�t� �nstrument, L�nder may give Borraw�r a noti��ident�fying th�lien. Vi��thin ��days�f the dat�an wh�ch that not�c��s g�ven, Barrower shall sat�sfy th��en or take nn�nr more of the a��ian� set forth above in�his Secti�n 4. Lender may r�quir�Borrawer ta pay a one-time charg�ftir a real estate ta�verif�catio�a andlor rep�rting serv�ce used by Lender in c�nnec�ion with this Loan. a. P�ap�rty Insurance. Borrawer sha��ke�p the imgrovem�nts naw �xisting or hereafter ere��ed on the Proper�y insured agains��oss�y f�re, ha�ards inc�uded within the term "ex�ended coverage," and any fl�her ha�ards �nc�udzng, but not��rn��ed�o, earth�uakes and �`lo�ds, for u�h�ch Lend�r requ�r�s insurance. Th�s �nsura�,ce s�ai� b��aa��ained ��he amounts ��c�ud��.g d�duct�b�e��s} a�d ��r the periads �ha� Lender requ�res. V�hat Lender requ�r�s pursuan� to the pre�eding sentences can change during the�erm of the Loan. The insuran�e carrier prov�d�ng �he insurance sha�l be chos�n b� Borrower subject �o L�n�er's righ�to d��approve Borrawer'�chfl��e, whic�r�ght shal� n��be exercis��unreasonab�y. Lender ma�r�qu�re Borrow�r ta pay, �n connecti�n with thzs Loan, e�ther: �a} a an�-�zme charg� for f�ood zone deterrnination, cert��at�on and�racking servzces; or�b) a one-time charg�for fla�d z�ne determinatian and cer�itication services and subsequent charges each time remappings or simi�ar change� occur wh�ch reasana�ly might affect su�h de�ermination or�erti��:ation. Borrower sha�� a��o be respansible for the pa�ment of any fees impos�d by the F�deral Emergency Management Agency in connection with the re�iew of at�y �1ood zone de�erminat�on resulting frarn an object�on b� Borrower. �f Borrower fa�is to maintain any of the cflverages descr�bed a�a�e, Lender may obta�n insurance caverage, at Lender's option and Barr�wer's expense. L�nder is und�r no ab�igatian ta purchase any particu�ar type ar amoun�of coverage, Therefore, such coverage shall cover Lender, but might ar mi�ht no�protec�Borrov�er, Borr�wer's�quity �n the Proper�y, or the��ntents of�he Proper�y, agains� any r�sk, hazard or�ia��ty and might pro�ide�reater or�esser c�verage than was pre��ous�y in effec�. Borrow�r acknowledges that the�ost of�he insurance coverage sa obtained m�ght signi��can��y exeeed �h��os�of insuranc�that Borrower��u��i �aave obtain�d. Any amoun�s d�sbursed by Len��r under this S�cti�n 5 shal� be��me additzana� debt of B�rrau�er s��ured by th�s S�cur�t� �nstrument. These amau��s shall bear�nteres�a��e Nate rate from t�e date of�.isbur�ement and shall be payab��, with such �nteres�, up�n notice frona Lender ta Barrower request�ng paym.en�. N�BRASKA-Single Famity-Fannie MaelFredciie Mac UN�F�RM{NSTRUMENT Form 3028 1101 VNiP Q VMPS{NEj t13�2� Wolters Kluwer Financiai Ser�ices Pag�5 0�17