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20120428�
<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 s�ured by this Security Instivment, Lender shall promptly refund to
<br />Borrower any Funds held by Lender.
<br />4. Charges; Liens. Bonower shall pay all taxes, assessments, charges, fines, and impositions amibutable 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, Fe,es, and Assessments, if any. To the extent that
<br />these items are Fscrow Items, Borrower shall pay them in the manner provided in Section 3.
<br />Borrower shall prompfly discharge any lien which has priority over this S�urity Instrument unless
<br />Borrower: (a) agr�s 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 gerforming such agreement; (b) contests the lien in good faith by,
<br />or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent
<br />the enforcement of the lien while those proceedings are pending, but only until such proceedings are
<br />concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the
<br />lien to this Security Instrument. If Lender determines that any part of the Pro�rty is subject to a lien which
<br />can attain priority over this Security Instrument, Lender may give Borrower a notice idenrifying the lien.
<br />Within 10 days of the date on which that notice is given, Borrower shall satisfy ttre lien or ta,ke one or more
<br />of the actions set forth above in this Section 4.
<br />Lender may require Borrower to pay a one-time chazge for a reat estate tax verification and/or reporting
<br />servics used by Lender in coffiection with this Loan.
<br />5. ProRerty lnsarance. Borrower shall keep the improvemeSts now existing or hereafter erected on the
<br />Progerty insured against loss by fire, hazards included within the term "extended coverage," and any other
<br />hazazds incl�ding, but not limited to, earthquakes and fic�ocfis, for w}sich Y.en�er requires insurance. '�'his
<br />�nc��,�*►� shalt be maintained in the amounts (including deducti�le Ievels) and far the periods that I.ender
<br />requires. �Vhat Lender re�uires pursuant to the preceding sentences can change during the term of the Loaz►.
<br />The insurance carrier providing the insurance shall be chosen by Borrower subje,ct to Lender's right to
<br />disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require
<br />Borrower to pay, in connection with this Loan, either: (a) a one-rime charge for flood zone determination,
<br />certification and traclQng services; or (b) a one-time charge for fiood zone detemvnation and certification
<br />services and subsequent charges each time remappings or similar changes occur which reasonably might
<br />affect such determination or certification. Borrower shall atso be responsible for the payment of any fees
<br />imposeci by the Federal Emergency Mamagement Agency in connection with the review of any fTood zone
<br />determination resulting from an objecrion by Borrower.
<br />If Bonower 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 particutar type or
<br />amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower,
<br />Bonower'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 acl�owledges that the cost
<br />of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could
<br />have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of
<br />Borrower secured by this Security Insixument. These amounts sha11 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-Fennie Mae/Freddfe Mac UNIFORM INSTRUMENT
<br />VMP �
<br />Woltere Kluwer Financial Services
<br />Form 3028 1/01
<br />VMPB lNE) 117 05)
<br />Page 6 of 17
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