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20��09267 required by RESPA, and Borrower 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 Instivment, Lender shall promptly refund to Bonower any Funds held by Lender. 4. Charges; Liens. Borrower shall pay all 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 aze Escrow Items, Bonower shall pay them in the manner provided in Section 3. Bonower shall prompdy discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation s�ured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proaeedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only unril such proc.eedings aze concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Se,curity Instrument. If Lender determines that any part of the Property is subject 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 shaU satisfy the lien or take one or more of the actions set forth above in this Se,ction 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in coffiection with tlus Loan. - 5. Property insuran�e. Borrower shall keep the improvements now existing or hereafter ereeted on the Property itrsured agaiast Ioss by fire, haaards included within the term "extended coverage," aad any ather hazards including, but aot limited to, earthquakes and floods, for which Lender requires ins►srance. This insurance sha�t � maiatained in the aniounts (including deducrible levels) and for the periods that �.ender requires. What L.euder requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carri¢r pmviding the insurance shall be chosen by Borrower subj�t to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, iu conn�tion with this Loan, either: (a) a one-time charge for flood zone detenmiaarion, certificatioa aac� Uracking services; or (b) a one-time charge for flood zone determination and certification services and subs�quern charges 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 fees imposed by the Federal Emergency Management Agency in connecrion with the review of any flood zone determination resulting from an objection by Borrower. If Bonower fails to maintain any of the coverages described ahove, Lender may obtain insurance coverage, at Lender's option and Borrower's e�ense. Lender is under no obligaxion to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower'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. Borrower acknowleflges that the cost of the insurance coverage so obtained might significantly exc,eed the cost of insurance that Borrower could have obta.ined. Any amounts disbursed by Lender under this Section 5 shall become addirional debt of Borrower secured by this S�urity Instrument. 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 Borrower requesting payment. NEBRASKA-Single Family-Fannfe Mae/Freddte Mac UNIFORM INSTRUMENT Form 3028 1/01 VMP � VMP6(NE) 11105) Woiters Kluwer Financia� Services Page 8 of 77 . [ �