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201109225 required by RESPA, and Bonower 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 s�ured by this Se.curity Instnunent, Lender sha11 promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay a11 taxes, assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower sha11 pay them in the manner provided in Section 3. . Borrower shall promptly discharge any lien which has priority over this S�urity Instrument unless Bonower: (a)agre�s in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Bonower is performing such agr�ment; (b)contests the lien in good faith by, or defends against enforcement of the lien in, legal praceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proc,eedings aze pending, but only until such proceedings aze concluded; or(c) s�ures from the holder of the lien an agr�ment sarisfactory to Lender subordinating the lien to this Security Instrument. If Lender detemunes that any part of the Properiy is subj�t to a lien which can attain priority over this Security Instrumant, Lender may give Bonower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of tl�e actions set forth above in this Section 4. Lender may require Bonower to pay a one-time charge for a real estate tax verification and/or repoRing service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall k�p the improvements now e�sting or hereafter erected on the ' Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts(including deductible levels)and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Bonower subject to Lender's right to disapprove Bonower's choice, which right shall not be exercised unreasonably. Lender may require Bonower 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 flood zone determination and certification services and subsequent chazges each time remappings or similaz changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fe,es imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Bonower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Bonower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage sha11 cover Lender, but might or might not protect Bonower, Bonower's,equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Bonower aclrnowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this S�tion 5 shall become additional debt of Bonower secured by this S�curity Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and sha11 be payable, with such interest,upon notice from Lender to Bonower requesting payment. NEBRASKA-Single Family-Fannie Mae/Fretldie Mac UNIFORM INSTRUMENT Fortn 3028 1/Ot VMP� VMPBINE)(7105).00 Wolters Kluwer Financial Services Psge 6 of 17