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�Q120335�
<br />required by RESPA, and Bonower shall pay to Lender the amount necessary to make up the deficiency in
<br />accordance with RESPA, but in no more than 12 monthly payments.
<br />Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to
<br />Borrower any Funds held by Lender.
<br />4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to
<br />the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on
<br />the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that
<br />these items are Escrow Items, Borrower shall pay them in the manner provided in S�tion 3.
<br />Borrower shall promptly dischazge any lien which has priority over this Security Instrument unless
<br />Bonower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable
<br />to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by,
<br />or defends against enforcement of the lien in, legal proc,eedings which in Lender's opinion operate to prevent
<br />the enforcement of the lien while those proceedings aze pending, but only until such proc,eedings are
<br />concluded; or (c) secures from the holder of the lien an agreement satisfactory to I.ender subordinating the
<br />Iien to this Security in.�r�„t„enr, If I.ender determines that any part of the Property is subject to a liea wIuch
<br />can attain priority over this Security Instivment, Lender may give Borrower a norice ideIItifying the lien.
<br />Within IO days of the ciate on wfiich that notice is given, Borrower shall satisfy the lien or take one or more
<br />of the xtions set forth above in this Secrion 4.
<br />E.ender ma.y require �rm�+er to pay a one-time charge for a reai �tate ta:a� verifiearion and/or reporting
<br />se�ice usec� hy LencFer in conuecrion with this Loan.
<br />5. Property tnsurance. Borrower shall k�p the improvemerrts now existiag ar hereafter erecteci on the
<br />Froperty 'vasured against Ioss by fire, hazar�s included �+ithin the term "exteade� co�erage," and any other
<br />haaards including, but not limited to, earthc�ualces and floods, for which �der regui.res insurance. This
<br />insurauce shall be rnaintained in the amounts (including deducrihle levels) aad far the geriods that Lender
<br />requires. Vi�at Lender requires pursuant to the preceding sentences can change during the term of the T,oan.
<br />The insurance carrier providing the insurance shall be chosen by Borrower subJ�t to I�nder's right to
<br />disapprove Borrower's choice, which right shall not be exercised unreasonably. L,ender may require
<br />Borrower to pay, in c:nmze�ction with this Loan, either. (a) a one-time charge for ftood zone determinarion,
<br />certification anc3 t�racking sesvices; or (b) a one-time charge for fiood zone dete�ninatiQa and certific�tion
<br />services and subseq,u� charges each time remappings or similar changes occur �ehich reasonably might
<br />affect such determination or certification. Bonower shall also be responsible far the payment of any fees
<br />imposed by the Federai Emergency Management Agency in conne.crion with the review of any flood zone
<br />determiIIation resuiting from an objection by Bonower.
<br />If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage,
<br />at Lender's option and Bonower's expense. Lender is under no obligation to purchase any particular type or
<br />amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower,
<br />Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and
<br />might provide greater or lesser coverage than was previously in effect. Bonower acknowledges that the cost
<br />of the inc�,ra.,ce coverage so obtained might significantly exc,eed the cost of insurance that Borrower could
<br />have obtained. Any amounts disbursed by Lender under this S�tion 5 shall become additional debt of
<br />Borrower secured by tlus Security Instrument. These amounts shall bear interest at the Note rate from the
<br />date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower
<br />requesting payment.
<br />NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
<br />VMP �
<br />Woltera Kluwer Finandal Services
<br />Form 3028 7l01
<br />VMP6(NE) (1105)
<br />Page 8 of 17
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