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201109173 requirec�vy IZESPA, and Borrower sh�ll p�y to Lender the amount necessary to malce up the deficiency in accordl�ice with RESPA, U��t i�i no more than 12 monthly payments. Upon payinent in full of all suins secured by this Security Instrument, Lend�r shall pron�ptly refund to Borrower any Funds helcl by Lender. 4. Charges; Liens. Borrower shall pay all taxes, assessinents, charges, fines, �nd impositions attribut2Ule to the P��apexty w�hicl�can attain priority over this Security Instirumeilt, leasehold paymants or grouncl rents on the 1'roperty, if any, and Coimrninity Association Dues, Fees, and Assessinents, if any, To{lie extent that these items�re Esarow Items, Borrowe�sha11 pay thein in the inai�ier provid�d in Section 3. Borrower shall proinptl�discharge any lien wl�ich has priority over tlais Seaurity Instruinent unless Borrower: �(a)agrees in writing to the payinent of the obligation secured by the lien in a maniier acceptable to Lender, liut only so long as Borrower is performing such agreenzent; (b) contests the lien in goocl faith Uy, or defends against enforcement of the lien in, 1ega1 proceedings wliich in Lencier's opinion operate to pre�ent the enforceinent of the lien while those proceedings are pendin�, Uuti only until such proceedings are concluded; or(c}secures from the holder of the lien an agreeinent satisfactory to Lender subordinating tl7e lien to this Security Instrument. If Lender deterinines that any part oF tlie Property is suUject to a lien whicll can attain priority ovei tihi�s Security Inst�uznent, Lender may give Borro�ver a no�ice identifying the liei�. Witllin 10 days of trze date on which tha.t notice is given, Borrower shall satisfy the lien or talce one or more of the actions set forth above in this Sectioi�4. Lender inay require Borrower to pay a one-time charge for a real es�ate t�x verification and/or reportiil� service used Uy Lender in conuection with this Loan. 5. Property Insurance. Borrower s1i�11 lceep tl�e improvements ilow existing or hereafter erected on the Property instu�ed against loss by�re, h�zards inclttded withiil the term"extendeci cover�ge,° and any other hazasds uicluding, but not limited to, earthc�tiialces and floods�, for which Leuder requii�es insus�ance. Tlus insurance s11a11 be inaintained ii1 the a�nounts(inclttding deductible levels) and for the periods that Lender requires. What Leilder requires pLirsuant to i;he preceding sentences ca�i change during the terin of the Loan, The insurance c�rrier providing tihe insurance s1�a11 be ehosen Uy Borrower suUject to Lender's right to disapprove Borrower's choice, whicli right s11a11 not Ue exercised uiu e�sonaUly. Lende��nay require Borrower to pay, in coruzection with this Loan, eithei° (a) a one-time cliarge for flood zone deteiinin�tion, certification.1nc�traciciszg services; or(b) a one-time chas•ge for flood zone determination and certification services and suUsec�uent charges e�ch tiine remappings or sii�zilar chang�s occur which reason�bly nught af£ect sucli deterillinalion or certificltioii. Borrower shall also Ue responsible for the payment of any fees imposed by the I'eder�l�inergency Mariagement Agency in connection with the review of aiiy flooci zone deteiininatioli resulting fi�oin an objection by Borrower. If Borrower fails to nlaint�in�ny oF tlie cover�ges�lescribed aUove, Lender na�y obtain insuraizce coverage, at Lender's option and Borrower's expense. Lenfter is uncler no obligation to purchase any�artieular type or ainount of cover�ge. TherePore, such cover�ge shall cover Lender, Uut might or might not protect Borrower; Borrower's equi�y in Ehe Property, or the contents of the Property, ag2inst any rislc, l�azlyd or liabil'ity and z��ight provide greater or lesser coverage than was previou�ly in effect. Borrow�r acla�owledges that tl�e cost of the insurance coverage so obtainecl might significantly exoeed the cost of insurance that Borrower could have oUtained. Any aiilounts disUursed Uy Lender under this Section 5 shall becoine additional deUt of Borrower secured Uy this Security Instruinent. These a�i7ounts sliall bear interest at the Note rate from the date of disbursernent and shall be p�yable, with stiich interest, upon notice Pi�om Lender to Borrower requesting payment. 231231 NEBRASKA-Sinc�le Family-Fannie MaelFreddie Mac UNIFORM INSTRUMENT Form 3020 1101 VM P OO VM P6(NE)(9 105) Wolters f<luwer Financial Services Page 6 of 17