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<br />requir� by RESPA, and Bonower shall pay to Lender the amount necessary to make up the deficiency in
<br />accordance with RESPA, but in no more than 12 monthly payments.
<br />LFpon payment in fu11 of a11 sums secured by this Security Instrument, Lender shall promptly refund to
<br />Borrower any Funds held by Lender.
<br />4. Charges; Liens. Bonower shall pay all taxes, assessments, charges, fines, and impositions attributable to
<br />the Properiy which can attain priority over this Security Instruinent, leasehold payments or ground rents on
<br />the Property, if any, and Community Association Dues, Fe,es, and Assessments, if any. To the extent that
<br />these items aze Escrow Items, Borrower shall pay them in the manner provided in Secrion 3.
<br />Bonower shall promptly discharge any lien which has priority over this Security Instrument unless
<br />Borrower: (a) agrees in writing to the payment of the obligarion secured by the lien in a manner acceptable
<br />to Lender, but only so long as Bonower is performing such agreement; (b) contests the lien in good faith by,
<br />or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent
<br />the enforcement of the lien while those proceedings are pending, but only until such proceedings are
<br />concluded; or (c} secures from the holder of the lien an agreement satisfactory to Lender subordinating the
<br />lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which
<br />can attain priority over this Se,curity Instrument, Lender may give Borrower a notice identifying the lien.
<br />Within 10 days of the date on wIuch that notice is given, Borrower shall satisfy the lien or take one or more
<br />of the acrions set forth above in this Section 4.
<br />Lender may require Bonower to pay a one-time charge for a real estate tax verification and/or reporting
<br />service used by Lender in connection with this Loan.
<br />5. Property fnsurance. Bonower shall keep the improvements now elcisting or hereafter erected on the
<br />Property insu.red against loss by fire, hazards included within the term "extended coverage," and any other
<br />hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This
<br />�n�rance shall be maintained in the amounts (incTuding deductible levels) and for the periods that Lender
<br />requires. What Lender requires pursuant to the preceding sentenc,es can change during the term of the Loan.
<br />The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to
<br />disapprove Bonower's choice, which right shall not be exercised unreasonably. Lender may require
<br />Borrower to pay, in connecrion with this Loan, either: (a) a one-time cha:rge for flood zone determination,
<br />certification and tracking services; or (b) a one-time charge for fl�d zone determination and certificarion
<br />services and subsequent charges each time remappings or similar changes occur which reasonably might
<br />affect such determinarion or certification. Borrower shall also be responsible for the payment of any fees
<br />imposed by the Federal Emergency Management Agency in connection with the review of any flood zone
<br />determination resulting from an objecrion by Bonower.
<br />If Bonower fails to ma.intain any of the coverages described above, Lender may obtain insurance coverage,
<br />at Lender's oprion and Borrower's expense. Lender is under no obligarion to purchase any particular type or
<br />amount of coverage. Therefore, such coverage sha11 cover Lender, but might or might not protect Borrower,
<br />Bonower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and
<br />might provide greater or lesser coverage than was previously in effect. Bonower acl�owledges that the cost
<br />of the �n�,,,�nce coverage so obtained might significantly exc,eed the cost of insur�nce that Borrower could
<br />have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of
<br />Borrower secured by this Security Instrument. These amounts shall beaz interest at the Note rate from the
<br />date of disbursement and shall be payable, with such interest, upon norice from Lender to Bonower
<br />requesting payment.
<br />NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM I(VSTRUMENT Form 3028 1/01
<br />VMP � VMP6(NE) (1105)
<br />Wolters Kluwer Financial Services Page 8 of 17
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