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�0�203�1�
<br />Upon payment in full of a11 sums secured by this Security Instrument, Lender shall promptly refund to Bonower any
<br />Funds held by Lender.
<br />4. Charges; Liens. Borrower shall pay all taxes, assessments, chazges, fines, and impositions attributable to the
<br />Property which can attain priority over this Security Instrument, leasehold payments or gound rents on the Properly, if
<br />any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Esctow Items,
<br />Borrower shall pay them in the manner provided in Section 3.
<br />Borrower sha11 promptly dischazge any lien which has priority over this Security Instrument unless Borrower:
<br />(a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so
<br />long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of
<br />the lien in, legal proceedings wluch in Lender's opinion operate to prevent the enforcement of the lien while those
<br />proceedings aze pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an
<br />agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of
<br />the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a
<br />notice identifying the lien. Within 10 days of the date on which that notice is given, Bonower shall satisfy the lien or take
<br />one or more of the actions set forth above in this Section 4.
<br />Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used
<br />by Lender in connection with tlus Loan.
<br />5. Property Insurance. Bonower sha11 keep the improvements now existing or hereafter erected ott the Property
<br />insured against loss by fire, hazards included within the term "extended coverage," and any other haaards including, but
<br />not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the
<br />amounts (including deducrible levels) and for the periods that Lender requires. What Lender requires pursuant to the
<br />preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be
<br />chosen by Bonower subject to Lender's right to disapprove Bonower's choice, which right shall not be exercised
<br />unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood
<br />zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination and
<br />certification services and subsequent charges each time remappings or similaz changes occur wluch reasonably might
<br />affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the
<br />Federal Emergency Management Agency itt connection with the review of any flood zone determination resulting from
<br />an objecrion by Borrower.
<br />If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at
<br />Lender's oprion and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of
<br />coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in
<br />the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser
<br />covera.ge than was previously in effect. Borrower aclmowledges that the cost of the insurance coverage so obtained might
<br />significantly exceed the cost of insurance that Bo�rower could have obtained. Any amounts disbursed by Lender under
<br />this Section 5 sha11 become additional debt of Borrower secured by this Security Instrument. These amounts shall bea.r
<br />interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender
<br />to Borrower requesting payment.
<br />All �n�� policies required by Lender and renewals of such policies shall be subject to Lender's right to
<br />disapprove such policies, sha11 include a standard mortgage clause, and shall name Lender as mortgagee and/or as an
<br />additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires,
<br />Bonower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form
<br />of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall
<br />include a standard mortgage clause and sha11 name Lender as mortgagee and/or as an additional loss payee.
<br />In the event of loss, Borrower sha11 give prompt notice to the insurance cazrier and Lender. Lender may make proof
<br />of loss if not made promptly by Bonower. Unless Lender and Borrower otherwise agree in writing, any insurance
<br />proceeds, whether or not the underlying �n�� was required by Lender, shall be applied to restoration or repair of the
<br />Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and
<br />restorarion period, Lender sha11 have the right to hold such insurance proceeds until Lender has had an opportunity to
<br />NEBRASKA-Single Family-Fannie Mae/Freddle Mac UNIFORM INSTRUMENTwith MERSForm3028 1/01 �
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<br />ios, ina Borrower(s) In�lais
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