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201108126 rec�uired by T' �SPA, and Borrower shall pay�o Laiide�'the�mount necessary to malce up the de�ciency in accordance with RESPA, but in no rl7ore t1i�n r2 monthly payinent�, U�on p�yment in�'iill of all si�ins sectiired by this Security Insti•ument, Lender shaIl promptly refund to Borrower any runds held Uy Lender. 4, Charges; Liens. Borrower shall p�y�tll taxes, assessinents, charges, �nes, and impositions attriUutable to the Property wl�iclz can attain priority over tlus Security Instrument, leaseholcl paymeiits or ground rents on the Property, iP any, and'Comulunity Association Dues, Fees, ailcl Assessinents, if�ny. To the extent that these items are�scrow Ite�11s, Borrower sha11�ay them in the n7�nner pi�ovided in Section 3. Borrower sha11 prom7�tly discllarge�any lieu which 7ias priority over this Security Instruii�ent unless� Borrower: (a) agr�es in writing to the payinent of the oUfigatiion secured by t11e lien in a inaruler acceptable to Lender, Uut only so long as Boriower is perforiniiig suc11 agreeiilent; (U) contests the lien in good faitll by, or defeilds against enforcement of the lien in, legal pzoceediizgs which in Leiider's opinion operate to prevent the enForceineut of�11e lien whi1�those proce�dings are pending, but oi�ly until such pi•oceedings are concluded; or(c) sectires from the 17older of the lien an agreement satisfactory to Lender sLivordinatiiig the lien to tlus Sectiu•ity Ii�,s�ru�n�nt. If Lander datern�ines th�t a�zy part of the Property is subj ect to a Iien which ca�attain�riority�over t11is Security TnsfrLUi7ent, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or talce one or more of the�tctions set forth above in this Section 4. Lender may require Borrower to pay a one-lime ch�trge for a real estate tax verification aii�l/or reportiiig service Llsed by Lender in comlection with this Loan. 5. Property Iflsurance, Borr'o�ver shall keep the im�rovements now axisting or 1lereafler arectecl 011 the Property insured against loss Uy rre, hazards inclufted within the term"extended cover�ge," antl any otilier hazards including, but not li�nited to, earthqualces and Ploods, foi•which Lender reqtiiires insur�nce. This insuranee sha11 be i�iaultainec�in the amounts(inclt�dirlg cleductible levels)azld for�he periods tliat Lender requires. What Lender requires pursuan�to the precec�ing seiltences can change duriixg tlie term of the Loan, The insurance cxrrier�providing the insurance sha11 Ue chosen by Borrower suUject tio Lender's rigllt to disapprove Borrower's choice, whiclz riglit shall not be exercisetT unreaso�lably. Lender r11ay require Borrower to pay, in coi�ection with tlus Loau, either: (a)a one-tiiiae charge for flood zone deterinination, certification�ud tr�cicing services, or(b) a oize-time cllarge for flood zone detern�ination and certi�cation services and sul�seqtrent chlrges e�ch tiine remappings or similar cllaiiges occur which reasonably ini�ht affect such determination or certi�cation. Borrower s1�a11 also be respon4ible for the payment of any fees im�osed Uy the Federal�mei•gency Manlgement Agency in connection with the review of�ny flooci zone determination resulting from�n objec�ion by Borrower. If Borrower fails to maintain any oP tlie coverages tlescribed abov�, Lender may obt�in iilsurance coverage, at Lender's option 1nd Borrower's expense. Lender is under no oUli��tion to purchase any pai•ticul�r type or �motuit oP coverage. ThereFore, such coverlge shall cover Lender, Uut nught or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, ag�inst any rislc, liazard or liaUility and inight provide greater or lesser coverage thaii was�reviously in effect, Borrower acicnowledges that the cost of tlie ii�surance eover�ge so obtained siiight sig�iificantly exceed the cost of inslu�nce th�t Borrower could have obtainecl. Aiiy amounts disUursed Uy Leuder under tlus Seotion 5 sha11 becoine additional cle�t oP Borrower secured Uy this Security Instiruinent. These arnounts shall be�r interest at the Note rate from tlie date of disburseinen�a�nd sha�11 be payable, wit1�such interest, upon notice frozn Lender to Borrower reqLiesting paymei�t. 23119�J NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1101 VM P OO VM P6(NE)(1105) Wolters Kluwer Financial Services Page 6 of 17