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�0110887� required by RESPA, and Bortower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Bonower shall pay all taxes, assessments, chazges, fines, and impositions attributable to the Property which can attain priority over this S�urity Instrument, leasehold payments or ground rents on the Property, if any, and Community Associarion Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Bonower sha11 pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over tlus Security Instrument unless Borrower: (a) agr�s in writing to the payment of the obligation se,cured by the lien in a manner acceptable to Lender, but only so long as Bonower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proccedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings aze pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement sa.risfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Froperty is sobj�t to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shatl satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Bonower to pay a one-time charge for a real e.state tax verific�tion and/or reporting service used by Lender in connecrion with this Loan. 5. Property Insurance. Borrower shall ke,ep the improvements aow existing or hereafter er�ted on the Property insured against loss by fire, hazards included within the term "extended covesage," aud any other hazards including, but not limited to, earthquakes and floods, for which Lender reg,�ires insurance. This insurance shall be maintained in the amounts (including deciuctible lewels) and for the �reriods that l,ender requires. Wliat Lender requires pursuant to the preceding sentences can change during the term of the Laan. The insurance carrier providing the �nc�,rance shall be chosen by Borrower subj�t to Lender's right to disapprove Bonower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time chazge for flood zone determination, certification and tracking services; or (b) a one-time charge for fiood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affe,ct such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connecrion with the review of any flood zone determination resulting from an objecrion by Bonower. If Borrower fails to maintain any of the coverages describe� above, L.ender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particulaz type or atnount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Bonower, Borrower's equity in the Properiy, or the contents of the Progerty, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effe,ct. Borrower acknowledges that the cost of the insurance covera.ge so obtained might significantly exceed the cost of insurance that Bonower could have obtained. Any amounts disbursed by Lender under this Secrion 5 shall become additional debt of Borrower secured by this Security Instivment. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Bonower requesting payment. NEBRASKA-Single Family-Fannie Mae/Freddie Mec UNIFORM INSTRUMENT Form 3028 1/O7 VMP � VMP6�NE) (11051 Wolters Kluwer Financial Services Page 6 of 17