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201107882 required by RESPA, and Borrower sh¢ll pay to Lender the atnount neoessary to malce up tho do6cicncy in aocordance with RESPA, but in no more thazi 12 montlily paymenSS. Upon payment in fi�ll of all sums secured by this Security histrunieut, Lcnder shail promptly refiind to Borrower any Funds held by Lender. A. ChaYges; Liens. Borrower shall pay all Eaxas, ae5essments, eharges, flnes, and impositions attributable to tha Properfy which can attain priority over Yhis Security Iustrument, leasehold paymaiite or ground rents on lhe Property, if any, and Community Assooiation Dues, Fees, azid Assesstuents, if a�ry. To Ehc extent t6at these items are Escrow Items, Bon�owar shalLpay them in flie mamier provided in Section 3. Bon�ower shall prompCly disoharge any lien which has priority over this Security Instrurnent unloss Borrower: (a) agreas iu wriEiug to Yhc paynient of tha obligatlon secured by Yhe lien in a maimer acceptable to Lander, but only so long as Borrower is performing such agreement; (b) oontests tlie lien in good faith by, or dofands against enforcement of the lien in, legal procaedings which in Lendar's apinion operate to prevent the enforcement of'the lien wliile those proceed'uigs ue pending, but only until such praaeedings are concluded; or(c) secures from the holder of tha lien an lgreement saYisfacYory to Lender subordinating the Gei� l�o fl�is�Security Instrument, If Lender determines thftt any part oP tlie Property ie subjecf to a lian which oan attain priority over this Securiry Instrument, Lendei may give Borrower a uoEicc idontifying the lien. Within 10 days of the date on which that notico is given, Borrower shall satisfy the lien or take one oc more o£tlie actions set forth above in this Section 4. Lender may require Borrowcr to pay a one-time charge for a real estate tax verification and/or reporting service used Uy ],endcr in connection with this Loan. 5. Property Insurance. Borrowor shall kcep the improvements now exiating or hereafter erected on the Property insured against loss by 6ra, hazards included within the term "extendad coveraga," a�id any other hazards including, but not limited to, earthqualces and floods, for wliich Lender requires insurance, This instu•lnce shall be maintained in the amounts(iiicluding deductible IcvalS) and for the periods thaY Lender requires. Wlust Lendar requires pursuant W the preceding senCences oan change during the term of t1�e Loan. The insuranco catrier pmviding the insuranoe shxll ba chosan by Boimowar suUject to l.endcr's right tio disappmve Borrowe�°s choice; which right shall not Ue axereised umeasonably. Lender may requixe Borrower to pay, in connection with{his Loan, either: (a) n one-time charga for flood zoue determinafion, certifcatiov and tr•acldng services; or(b) a one-time charge for flood zone determination and certification services and subsequenY charges each time remappings or snnilar changes oocur which reasonably might affept suoh determination o�cartifieation. Bm•rowor shall also be responsible for the payment of any Eees imposed by the Federal Fmergcttey Managemant Agency in connection with the xeview of any flood zone detarmination resulting from an objecEion by Borrowar, If Borrower fails to maintain any of the eovernges described above, Lender may obtaui uisuranoo eoverage, af Londer's option and Borrower's expense. Lender is under no obCigatiou to purchase any partioular type or amount of coverage. Therefore, such covcrage shall cover Lender, but might or might not protect Borrower, Bon•ower's aquity in Yhc Proper6y, or the contents of the Property, against auy risk, hazard or liability and miglrt provide greater or lesser eovernge than was previowsly in effect. Bortower aclmowledges thaY the oost of E6e insurance eoveraga so obtaiued might significantly exoecd Che coef of insurance thnt Boe•rower could have obtained. Any amounts disbursed by Lcnder under this SecEion 5 shall become ndditional debt of Bonower secured Uy this Seci�rity Instrument, These �mouuts sha11 bear interest at the Note ratc from tho date of disbursement and shall be payable, with sueh uitereat, upon notice fxoni Lcnder to Bo�rower requesting payment. 231194 NF9RASKA�Sin91e Femily�Fannie Mae/Fretltlle Mec UNIFORM INSTRUMENT Fo�m 302B 7l01 VMP� VMPd(NE)(1106) Walters Kluwer Flnanclal 3ervims Page G of 17