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20120858�
<br />If there is a surplus of Funds held in escrow, as defined under RESPA, Lender sha11 account to Borrower for the
<br />excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender
<br />shali notify Bonower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the
<br />shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in
<br />escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender
<br />the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments.
<br />Upon payment in full of a11 sums secured by this Security Instrument, Lender shall prompdy refund to Borrower any
<br />Funds held by Lender. �
<br />4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the
<br />Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if
<br />any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items,
<br />Borrower shall pay them in the manner provided in Section 3.
<br />Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Bonower:
<br />(a) agrees in writing to the payment of the obligarion secured by the lien in a znanner acceptable to Lender, but only so
<br />long as Borrower is perfornung such agreement; (b) contests the lien in good faith by, or defends against enforcement of
<br />the lien in, legal proceedings which in Lender's opinion opera.te to prevent the enforcement of the lien wlule those
<br />proceedings are pending, but only until such proceedings aze concluded; or (c) secures from the holder of the lien an
<br />agreement sadsfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of
<br />the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a
<br />notice idenrifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take
<br />one or more of the acrions 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 service used
<br />by Lender in connecrion with this Loan.
<br />5. Property Insurance. Borrower sha11 keep the improvements now existing or hereafter erected on the Property
<br />insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but
<br />not limited to, earthqualces and floods, for which Lender requires insurance. This insurance shall be maintained in the
<br />amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the
<br />preceding sentences can change during the term of the Loan. Th� insurance carrier providing the insurance shall be
<br />chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised
<br />unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood
<br />zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination and
<br />certification services and subsequent charges each time remappings or similar changes occur which reasonably might
<br />affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the
<br />Federal Emergency Maaagement Agency in connection with the review of any flood zone determination resulting from
<br />an objection by Borrower.
<br />If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at
<br />Lender's option and Borrower's expense. Lender is under no obligation to purchase any particulaz type or amount of
<br />coverage. Therefore, such coverage sha11 cover Lender, but might or might not protect Borrower, Borrower's equity in
<br />the Property, or the contents of the Property, against any risk, hazazd or liability and might provide greater or lesser
<br />coverage than was previously in effect. Borrower aclmowledges that the cost of the insurance coverage so obtained might
<br />significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under
<br />this Section 5 sha11 become addirional debt of Bonower secured by this Security Instrument. These a.mounts shall bear
<br />interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender
<br />to Borrower requesting payment.
<br />All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to
<br />disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an
<br />addirional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires,
<br />Borrower shall promptly give to Lender a11 receipts of paid premiums and renewal notices. If Borrower obtains any form
<br />NEBRASKA -Single Family-Fannie Mae/Freddle Mac UNIFORM INSTRUMENT with MERSForm 3028 7/01
<br />Page 5 of 13 �
<br />ios, ina Borrower(s) Initlals �
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