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201107691 required by RESPA, and Borrower shall pay to Lender the auiount necessary to mal:e up the deficicncy in accordance with RESPA; Uut in no more than 12 monthly payments. Upan payment in full of all sums secured by this Security Instrument,Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Bono��et shall pay all taYes, assessments, charees, fines, and unpositions athibutable to the Property which can attain priori[y over this Security lnshument, leasehold payxnenfs or gonnd rents on the Properry, if any, and Community Association Dnes, Fees, and Assessments, if any. To fhe extent thaT these iteins are Escrow Items; Sorrower shall pay them in the manner provided in Section 3. Bon-owzr shall promptly discharge any lien which has priorit}r over this Security Instn�nent unless Borrower: (a) agrees in writing to fl�e payment of the obligation secured l�y the lien in a manner acceptable to Lender, but on]y so long as Boaower is perfonning such a,�eement (b) contests the lien in gpod faitll by, or defends agains[anforcement of the lien in, le�ai proceedings which in Lendet s opinion operaCe to prevent the enforcemen[of the Iien while those proceedings are pending,but only until such proceedings are coneluded; or(c) secures from the holder of the lien au aa eement satis£actory to Lender subordinafing the lien to this Security lnstcument If Lender detcnnines that any part of the Property is subject to a lien which can aftain priority over this Secarity Instrument,Lender znay give Boxrower a notice idenrifying the lien. Withi3i 10 days of the date on whieh that notice is given, Borrowcr shall 9atisfy the Iien or take one or more of the aclions sct forth above in this Section 4. Lender may require Borrower to pay a oa�time charge for a real estate tas verification andfor reporting service used bv Lender in connection with this Loazi. 5. Property InsUl'anCe. Borrower shall keep the improvements now existing or hereafier erected on the Yroperty insured against loss Uy fire, hazards included�cithin the term"extended coverage;" and any other hazazds including, buf not limited m, earthqixakes and�Iloods, for which Lender requues insuraiice. This insuranCe shall be mainta3�ed in the aznouvts (inclucling deductiUle levels) and for ihe periods rhat Lender requires. 4Jhaf L,ender requires pnrsuant to the preceding sentences can change during the term of tlie Loan. The insurance carrier providing the insurancc shall be chosen by Borrower subject to Lender's right[o disapprove Borrower's choice, which.right shall not be cxercised unreasonably. Lender may require Bonower to pay, uz connection with this Loan; eiEher. (a) a one-tnne charge for flood zone determinafion, certii`ication and tracking services; or(U) a one-time charge for flood zone determination and cer[if`icarion services and Subsequent charges eaeh tnne remappings or similaz ehanges accur which xeasqnaUly mlght affect such determination or certi£carion. F3orro�rer shall also be responsible for the payment of any fees nnposed by the Federal Emergency Management Agency in connection with the review of any Ilood zone determivaYion resulting from an objeGtion by Borrower. If Borrower faIls to maintain any of the coverages describcd above; Lender may oUtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchasc any particular rype or anzount of coverage. TherePore, such coverage shall cover Lender, but might or might nat.protect Borrower, Borrower's equity in the Pxoperry, or the cantents of the Pro�er[y, against auy risk�, hazaad or liabifily and inigh#pmvide�eater or lesser coverage than was pre��iously in effecC Bonower acknowledges that the cost of the insurancc coverage so obtained might si�ni'ficantly exceed the cosE of insurance that Bonower could have obtained Anp amouats disbursed by Lender under fliis Section 5 shall become addirional debt of Borrower secured by this Security Instnunent Thzse amounts shall Uear interest at the Note rate from the daYe of disbursement and shall be payable, with such interest, upon norice from Lcnder Yo Borrower requesting payment. zaiies NFBRASKA-Singl_Fzmiiy-Fannie Mae/Fredtlie Mae ONIFORM INSTRUPdENT Porm 3028 1101 VMP�x VMP6(Nq(t105) Wolters Kluwer Financial5erv:ws Page 6 of i]