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201107697 required by RESPA, and Borrower shall pay Co I.ender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payinents. Upon paymen[in full of all sums secured by Chis Securiry InstrumenC, Lender shall promptly refund to Borrower any Runds held by Lender. 4. Charges; Liens. Borrower shall pay all Caxes, assessmevts, chaxges, fines, 1nd imposiCions aCCribufable fo lhe Property which�can aYtain priority ovei this Seeurity I�istrument, lettsehold payments or ground rents o❑ the ProperCg, if any, and Community Association Dues, Pees, and Assessments, if any. To the extent ffiat these items are �setow Items, Borrower shall pay Chem in the manner provided iu Section 3. Borrower shall prompCly diecharge any lien whick has priarity over this SecuriCy InsCrumeut unless Borrower: (a) agrees in writing to the payment of the obligaCion secured by the lien i�i a manner ac;ceptable to Lender, but only so long as Borro�ver is performing sucli agreement; (b) contesta the lien in good faiUi by, or defends againsC enfiorcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lieri while those proceedings are pevding, but only until such proeeedings are concluded; or(c) secures from fhe holder of the lien an agrecment saCisfactory to Lendee subordinating tl�e lien fo diis Security Instrun�enG IP Lender deCernunes that any parC of the P�roperty is suUject to a ]ien which can atkiin priority over Chis Security Instrument, Lender may give Borrower a notice identifyin�; the lieo. Within 10 days of the date on whieh t1iat notice is given, Borcower sliall satisfy the Lien oc take one or more oP Che acdons set Portli above in tlils Section 4. Lender may require Borrower to pay a one-time charge for a real estate kix verificaCion and/or repordng service used by I.ender in eonnecfion with this Loan, 5. Property Insurance. Borrower shall keep tlie improvements now existin� or hereafter crccCCd on the Property insured against loss by fire, hazaids included within the term "extended coverage," and any other hazards including, but not limited to, ea�thqunkes and tloods, for which Lender raquires insurance. This insurance shall be maintained in the amounts (ineluding deducCible levels) aod Por the pexiode flia[Lender requires. Wliat Lender requiees pursuanf Co Che preceding senCences ean clivige duriag fhe term of the Loan. The insurance carrier providing the insurance shall be cl�osen by Bocrower subject to Lender's right to disapprove Borrower's cl�oice, which right shall not be exercised unreasonably. L,ender may require Borrower to peiy, in connection wi[h fhis Loan, either: (a) a one-time charge for flo�d zone dcCCrmina�ion, certification and tracking services; or(b}a one-time charge for flaod zove deteimination and certification services and subsequent charges each time remappings oi siuiilar changes occur �hich reasonably might aPPecC such determination or certification. Borrower shall also be tesponsible Por the paymenC of any fees imposed by Yhe Federal Emergency Management Agency in connecCion with the review of any flood zove determinaCion resulting from an objection by BoTrower. IF Rorrower fails to mlintain any of tl�e coverages describcd above, Lender may obCain ivsurance coverage, aC Lender's option and Borrowei°s expensc. Lender is under no obligaCion to purcliase any partiuular type or amount�f coverage. Thcrefore, such coverage shall cover Lender, Uut miglu or nlighC noc profecf Rorrower, Bo�rower's equiCy in the Property, or tlie contents of the Property, against any risk, hazzrd or liability aud might provide greater or lesser coverage than was previously in efPecC. Borrower acknowledges tliat the cost oP the i�isnrance eoverage so oUtnined niight signiPicanCly exceed Che eost oP insuruice tl�a[Borrower could fiave obtained, Avy ainounts disbursed by Lender under Chis Section 5 shall become additional debt of Borrowec secuced by this Security Insh'ament. These amoLmts shall bear interest aC the Note raCe C�rom the dnte of disbursemenC and shall be payable, with such interest, upon notice from Lender Co Borrower requesYing paymant. 231188 NEBRASKA-Single Famlly�Pannio Mae�Freddle Mao UMFOFM INSTRUMENT Form 3028 1/01 VMP� VMPOMEI It 7061 Wollers Kluwer Finanolnl Servloes Page e ot'I]