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201108174 required Uy RESPA, ancl Borrower shall pay to Lender tlle amount necessary to iil�lce up the deFiciency in accorda��ce with R�SPA, but in no more than 12 monthly payments. Upon payinent in full�of all siuns secured by tlus Security Instrui�ent, Lender�sliall proinptly r�fund to Borrower any I'unds llelcl by Lencler. �. Cf1ar'ges; Liens� Borrower shall pay�ll t�x�s, assessments, clza.rges, t"ines, and impositions attributa�le to the Property which can attain priority over this Securi�;y Instruinent, leasehold payinents or ground rents on the Pro�erty, if any, and Coinlnunity Association Dues, rees, and Assessinents, if any. To the extent thlt �hese items ai�e�scrow Items, Borrower sha11 p�y them in ihe u2arnlet provided ii1 Section 3, Borrower shall proinptly dischasge�y lien wl�i�h has priority over this Security Instrtiment unless Borrower: (a) �grees i�writing to tilie payinent of the oUligation secured by tlie lieiz in a maniler acceptable to Lender, but anly so long as Borrower is perforining sttcll agreei7�et�t; (b) contests the lien in good faith by, or defends against eizforcement of the lien in, legal proceedings wliicli in Lender's opinion aperate tb prevent the anforce�nei�t of the lien wlzile those proceedings are penc�ing, but only until such pi•oceedings are concluded; or(c) secures fi�om lhe holder of the lien au agreeinent satisfactory to Lender sLibordinating tlie lien to this Sectitrity Instrument. If Lender deterinines that any part of the Property is subject to a lian which can�attain priorify over this Security Instrument, Lendei•�nay give Borrovs�er a notice identifying the 1ien. Within 10 days of the dRte on which tha�notic�;is given, Borrower sha11 satisfy ihe lien or talce orie or inore of tlie lctions set forth avove in this Seetion 4. Lenci�r m�y require Borrower to pay a one-time charge foi�a real estate tax verification andlor reportii�g service used Uy Lencler in connection with this Lo�ii, 5. Prope�ty Insurance. Borrower shall lceep the improvements now existing or hereafter erected oii the Property insured lgainst loss by�re, haz�rds included within the terin"extended coverage," and any other ha�ards ineluding, but�ot liinited to, earthqualces and floads, for wllich Lender reqttires ii�surance. This iiistuance s1i�11 be nlaintaiiied in the a�nounts(inclutling c�eductible levels)and for the periods that Lenc�er � requires. What Lender requires pursuailt to the prececliiig sentences c�n chaiige during the terin of the T.oan, The insurance carrier prot�iding the insurance shall Ue chosen by Borrower suUject to Lender's right to disapprove Borrower's choice, wliich right sha11 not be exercised unreasonaUly. Lender may require Borrower to pay, in connection witll this Loaiz, either: (a) a one-tiine charge for flood zone deternunation, certification and tr�cicing services; or(b) a one-time charge for i7ood zoile determinition aild certzficltion services and subsequenC charges each time i•ema�pings or similar changes occur wliicli reasonaUly inigllt affect such determination or certification. Borrower shall also Ue responsible for the paymeilt of 1ny fees i�zlposec�by tho Tederal Emergency Mauagement Agency iii comlection with the review of any Flood zone deternlination resulting fi•om an oUjection by Borrower. If Borrower fails to in�intain any of the coverages descriUed above, Leiider may obtain iilsur�nce coverage, at Lencier's option and Borrower's expense. Leneler is under izo obligation to purchase any pari;icular t�pe or ainount of coverage. Therefore, such coverage shall cover Lender, Uut iniglit or inight not protect Borrower, Boxrower's equity in the Praperty, or t11e contents of tl7e Property, against any rislc, hazard or liability ai�d migllt provide greater or lesser coverage t11an was previously in effect. Borrowe�•aclrnowledges that Ehe cost oL the instiranoe coverage so oUtained might signifieantly exeeed tlie cost of insurance that Borrower could have obtained. Ar1y aulounts disbursed vy Lender rinder tliis Section 5 sh�11 become additional debt of Borrower seeurecl by this Securit�Instrument, Tliese amou�lts sha11 bear interest ati the Note rate from the date of disUursenYent and sliall be payable, with such interest, upon�lotice fi•oin Lei�der to Bori•ower requestiilg payment, 231201 NCBR4SKA-SIngle Family-Fannie MaelFreddle Mac UNIFORM INSTRUMENT Form 3028 1101 VM P� VM P6(NE)(1105) Wolters I<luwer Financial Services Page C,of 17