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2� 17��3�5 required by RESPA, and Bnrrow�r sha.�i pay�to Lend�r�he amount n�cessary to make up the deficiency in acc�rdance with RESPA, but in no more�ian 12 monthly pa�ments. � Upon payment in ful.l of atl sums secured by th�s Security�ns�rument, Lender sha11 promptly refund ta Borrawer any Funds held by Lender. 4. Charges; Liens. Borrower shal.�pay a�.l taxes, assessments, charg�s, fYnes, and impositians attributable to the Prop�rty which�an attain privrity vver this 5ecurity Instrument, leasehald payments or ground r�nts an the Property, if any, and Gommunity Assvciativn Dues, Fees, and Assessmen�s, if any. To the extent that these items are Escr�w�tems, B�rrower shall pay th�m xn the manner provided in Section 3. Borrower sha11 promptly discharge auy lien Which has prxority over this Security 7ns�rument u�less Barrovver: �a} agrees�n writi�x�g ta the paymen�of�he vbl�gat�vn secured by the lxen in,a manner acceptahxe ta Lender, but vnly so lang as Borrower is p�r�or�r�ing such agre�ment; (b}contests the lien in good faith b�, or defends against enfarcement of the l�en in, legal pr�ceedings which in Lender's apinion opera�e ta prevent the enforceme�t af the lien whi�e#hose proceedings are pending, but only until such proceedings are concluded; �r�c} secures from the ho�der af the 1i�n an agreement satisfactory ta Lender subordinating the lien tv this Security Instru�ment. If Lender detennin�s that any part of the Prop�rt�is subj ect to a lien which can attain priarit�over this Security Instrum�nt, Lender may give Borrower a notice identifying the lien. Within 1��days of t�he da�e an v�hzch t�ia�notice is given, Barrower shal�sa��sfy the lien ar ta1�e one ar more af the act�nns set forth above in this Section 4. Lender may r�quire Borraw�r to pa�a one-�time charge fvr a rearl es�ate�ax�erification andlar reportua.g service used by Lender in connection with this Loan. 5. P�operty �nsuranc�. Borrower shall keep the impro�ements riow e�isting or hereafter�rected an�he Property insured�gainst loss by fire, hazards�ncxuded within the�erm "extended coverage," and any other hazar�s including, bu�nat�imite�to, earthquakes and f�aods, for�vhich Lender requires insurance. This insurance sha�1 be mainta.ined in the amounts ��ncluding deductible leve�s} and fvr the periods that Lender r�quir�s. �Vhat Lender requires pursu�nt to the preceding sen�ences can change during the term af�he L�an. The insurance carrier pravidxng the insu�ance sha.l�b�chosen by Borr�wer subj�ct ta Lend�r's r�ght to disappr��re Borro�ver's�hoice, which right sha11 not be�xercised unreasanably. Lender may re4uare �arro�v�r to pay, in connection�vith this Loan, either: �a}a one-time charge for�load zone det�rmina�ion, certification arid tracking serv�ces; or�b} a one-time charge for fload zone determxna�xon and cer�ificatian ser�ices and su�sequ�nt charges each t�me remappings or simi�lar changes occur whirRh reasonably might aff�ct such de�erminat�an�r c�rt�f�cativn. Borrower shali also be responsible for the pa�ment af any fees imposed by the Federal Emergenc�Management Agency in conne��ion�vi�th�ie review of any flaod z�ne de�ernli�nati�n resu�ting from an ab�ectivn by B�rrov�er. Zf Borrawer fails ta maintain an�of the co�erages described abvve, Lender may o�tain in�urance�o�erage, at Lender'S option and Barr��ver's expense. Lender is-under no obligati.on to purchase any particu�ar type or. amount of c��erag�. Ther�for�, such cowerage sha11 cover Len�er, but might vr might not protect Bnrrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or�iabi�ity and might provide greater or lesser coverage than was previous�y xn�ffect. Bvrrower acl�nawledges that the cost af the insuran�e coverage so obtained m�.ght signifi�an�l�r exceed the cost af insurance�hat Borrvv�er could have obtain�d. Any amounts disbursed by L�nder under t11is Sec�ion 5 shal�became additional debt of Borrower secured hy�his 5ecuri�y Instrum�nt, These amounts shall bear i�terest at the Nnte rat�from the date of disbursement and shail be payab�e, with such inter�s�, upon notice from L�nder��Barr�wer requesting payment. � NEBRASKA-5ingle Family-Fannie MaelFreddie Mac LINIFORM INSTRLIMENT Fvrm 3Q28�10'i VMP[� VMP6(NEf(13a2� Wvlters Kluwer Financial SerWices Page fi of 17