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201206044
<br />required by RE, SPA, and Borrower shall pay to Lender (lie 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 Brand secured by this Security Instrument, Lender shall promptly refund to
<br />Borrower any Funds held by f,ender.
<br />4. Charges; Lions. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to
<br />the Proporty which can attain priority over this Security Instrument, leaschold payments or ground rents on
<br />the Properly, if any, and Congmunity Association Dues, Foes, and Assessments, if guy, To the extent that
<br />these items are Escrow Items, Borrower shall pay them in the manner provided in ScQtion 3.
<br />Borrower shall promptly discharge any lien which has priority over this Security histrument unless
<br />Borrower: (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; a3) contests the lien in good faith by,
<br />or defends against enforcement of the lien IN, legal proceedings which in Leiridor'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 (lie holder of the lien an agreement satisfactory to Lender subordinating die
<br />lien to this Security Instrument. If Lendtr determines that any part of dic Property is subject to a lien which
<br />can attain pf iority over this Security Instrument, Lender may give Borrower a notice identifying the lien.
<br />Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more
<br />of tile 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
<br />service used by Lender in connection with [his Loan.
<br />Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the
<br />Property insured against loss by fire, hazards included within the term "extended coverage, " and any other
<br />hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This
<br />insurareQ shall be maintained in the arnounts (including deductible levels) and for the periods that F,ender
<br />requires. What Lender requires pursuant to the preceding semen=g can change during the term of the Loan.
<br />The insurance carrier providing the insurance shall be chosen by Borrower subject to Leader's right to
<br />disapprove Borrower's choice, which rightshill not be exercised uniroagonably. Lender may require
<br />Borrower to pay, in connection with this Loan, either: (it) a one-time chqrge for flood zone determination,
<br />certification and tracking services; or (b) a one-time charge for flood zone determination and cortificition
<br />serviGes -,aid subsequent charges each time rerrappings or similar changes occut which reasonably might
<br />affect such c1tternmiation or certification. Borrower shall also be responsible for the payment of any fees
<br />imposed by the Federal Emergency Management Agency in connection with the review of any flood zone
<br />determination resulting fiorn an objection by Borrower.
<br />If Rorrower fails to maintain tiny of the coverages described above, Lender may obtain insurance coverage,
<br />a[ Lender's option and Borf ower's expense. Lender is under no obligation to purchase any particular type or
<br />amount of coverage. Therefca e, 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 />tright provide greater or lesser coverage than was previously in effect, Borrower acknowledges 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 disburse(] by Leader under this Section 5 shall become additional debt of
<br />Borro,wor secured by this Security Instrument, These aniounts shall bear interest at the Note I ate from the
<br />date of disbursement and shall be payablo, with such interest, upon notice from Lender to Borrower
<br />requesting payment.
<br />24001511
<br />NEBRASKA -Single Fam I ly-Fann I a M ae/h ad die Mae UN I FORM INS I RUM EN I Form 3028 1101
<br />mp g VH P6(NE) (1105
<br />Wolters Khmar Financlal Rprvinp,� pr". 6 �f 1 �
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