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201206068
<br />required by RESPA, and Borrower shall pay to Lender the amount necessary (o make tip 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 sluill promptly refund to
<br />Borrower any Funds field by Lender.
<br />4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, finos, and impositions attributable to
<br />the Property which can attain priority over this Security Instrument, loasehold payments or ground rents on
<br />the Property, if any, and Community Association Dues, Fees, and Assessments, if any, To (he extent that
<br />these items are Fsetow Items, Borrower shall pay them in the manner provided in Swion 3�
<br />Borrower shall promptly discharge any lien which has priority over this Security Instrument unless
<br />Borrower: (a) agrees in writing to (lie 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; (h) contests the lien in good faith by,
<br />or defends against enforcement of tile 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 &itisfactory to Lender subordinating the
<br />lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which
<br />can mrain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien.
<br />Within 10 days of the dare on which that notice is given, Borrower shall satisfy the lien or take one or more
<br />of the actions set forth ahovt� 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 this Loan.
<br />5. 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 />insuranec, shall be maintained in the amounts (including deductible levels) and for the periods that Lender
<br />requires, What Lender requires pursuant to the preceding sentences can change during the term of the Loan.
<br />rhe insurance carrier providing the insurance shall be chosen by Borrower subject 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 [his Loan, either: (a) a one-time charge for flood zone determination,
<br />certification and (racking services; or (b) a one-time charge for flood zone dQterminatioN and certification
<br />services and subsequent charges each time remappings or similar changes occur which reasonably might
<br />affect such determination or certification, BUR rower 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 from an objection by Borrower,
<br />If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage,
<br />at Lender's option and Borrower's expense. Lender is tinder no obligation to purchase any particular type or
<br />amount of coverage, Therefore, such coverage shall cover Lender, but might or might no[ protect Borrower,
<br />Borrower's equity in (lie Property, or tire contents of the Property, against any risk, hazard or liability and
<br />might 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 disbursed by Lender tinder this Section 5 shall become additional debt of
<br />Borrower secured by (his Security Instrument. These amounts shall bear interest it the Note rate from the
<br />date of disbursemeot and shall be payable, with such interest, upon notice front Lender to Borrower
<br />requesting payment.
<br />24001503
<br />NEBRASKA-SIngle Family Fannin Maa/Froddio Mae UNIFORM INS I RUM ENT F.re- 3028 1 101
<br />VMP @ VMPUINE) 0 05)
<br />W.Iton, Kln�or Tnan�lal S.,,!.. Page 6 of 17
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