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<br />required by RFSPA, 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 imposirions attributable to
<br />the Properly 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, Bonower shatl pay them in the manner provided in Section 3.
<br />Borrower shall promptly dischazge any lien which has priority over this Security Instrument 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 gerforming such agre,ement; (b) contests the lien in good faith by,
<br />or defends against enforcement of the lien in, legal proceedings wluch in I.ender's opinion operate to prevent
<br />the enforcement of the lien while those proceedings are pending, but only until such pr�ings aze
<br />concluded; oa (c) secures from the holder of the lien an agreement satisfactory to I�nder sutmrdinating the
<br />Iien to this Security Tnstrument. If Lender determines tl�at any pa� c�f tF�e Property is subje,ct to a Iiea which
<br />can attaiu p�iority over this Security Insstn�ment, I.ender may give Barrower a natice identifying the lien.
<br />�Vithi� Ia �:�s of the date on which that aotice is given, Borrawes sF�alt satisfy the lien or take one or more
<br />of the actions set forth above in this Section 4.
<br />F.endes may rec�uire Borrower to pay a oIIe time charge for a rea� essa�e tax verification and/or reporting
<br />�rrrice ��ry �der in connectio�, witb, tlais Loan,.
<br />5. Proper0y [ttsoteance. �orrower sfialY k�p the improvements ao�r �g or hereafter erect� oa the
<br />Paoper�y �n� agai�tst Iass by f�re, haaards includect withsn t�e E�rm� "�c�Cfl c�xrverage," aas� ara�+ at�er
<br />haa.�rcis im��g, brrt not limited to, earthquatces and flaxls, for v�rF�ieh � x�uires iIISnrarn�. 'This
<br />iase�raatce s�t; t� m�iBtaiaed in the amourns (inclvding ded�cti�ie Ieveis) an� far the peria#s that �.ender
<br />require,s. ��cier requires pursuant to the g�ing sentenees c�e c3ian,ge c�uring the term of the �.oan.
<br />The iasurance ca�ier providing the insurance shalI be chosen by Borro�er subject to Lent�er's rigfit to
<br />disapprove Borrovver's choice, which right shall not be exercised usEreasonably. I�nder may require
<br />Borrov�+ea to pay, in, cougection with this Loan, either: (a) a one time el�uge for IIood zone detemunation,
<br />certificatioa azccfi tracking services; or (b) a orie-�ime charge for S� z� determination and' c�rtifcc�tion
<br />serviee.c and subsequerst chazges each time remappiags or similat c�ges cnxua wlriclt reasonably might
<br />affec:t suc�i determina�ion or certification. Borrower shall also be responsible for the payment of any fees
<br />imposec� by the Federal Emergency Management Agency in coffiectioa v�rittt the review of any fiood zone
<br />determination resulting from an objection by Borrower.
<br />If Borrower fails to maintain any of the coverages described above, �,ider ma.y obtain insurance coverage,
<br />at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or
<br />amoimt 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. Borrower aclmowledges that the cost
<br />of the insurance coverage so obtained might significantly exceed the cost of insurance that Bonower could
<br />have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of
<br />Borrower s�ured by this 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 norice from Lender to Borrower
<br />requesting payment.
<br />NEBRASKA-S(ngle Family-Fennie Mae/Freddie Mec UNIFORM INSTRUMENT Form 3028 1/01
<br />VMP � VMP6(NE) 11105)
<br />Wolters Kluwer Finandel Sarvices Page 8 of 17
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