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201209793
<br /> shoRage 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 Borrowet sha11 pay to Lender
<br /> ihe amount necessary to make up ihe deficiency in accordauce with 1tESPA,but in no more than 12 montlily payments.
<br /> Upon payment in full of all sums secured by this Security Instrument,Lender shall promptly refund to Borrower any
<br /> Funds held by Lender.
<br /> 4.Charges;Liens.Borrower sha11 pay atl ta�es, assessments,chazges, fines,and imposirions attributable to the
<br /> Property wluch can attain priority over this Security Instrument,leasehold payments or ground rents on the Property,if
<br /> any,and CotnmunityAssociation Dues,Fees,andAssessments,if any.To the e�rtentthatthese items are Escrow Items,
<br /> Borrower shall pay tUem in tlie manner provided in Section 3.
<br /> Borrower shall promptly discharge any lien which has priority over this Security Tnstrument unless Borrower:
<br /> (a)agrees in writing to tUe payment of the obli,�ation secured by the lien in a manner acceptable to Lender,but only so
<br /> long as Borrower is perforn�ing 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 operate to prevent the enforcement of the lien while those
<br /> pmceedings aze pending,but only until such proceedings are concluded;or(c)seeures from the holder of the lien an
<br /> agreement satisfactory to Lender subordinating the lien to this Security Instrument.IfLender deternilnes 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 identifying the lien.Witl�in 10 days of the date on which that notice is�iven;Borrower shall satisfy the lien or take
<br /> one or more of the acrions set fonh above in this Section 4.
<br /> Lender may requu•e Bonower to pay aone-tnne charge for areal estate ta�c verification and/orreporting service used
<br /> by Lender in connection with this Loan.
<br /> - 5.Property Insurance.Borrower shall 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,h�t
<br /> not limited tq eaRhquakes and floods,for which Lender requires insurance.This insurance shall be maintained in t6e
<br /> ainounts(including deducrible 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. The insurance carrier providing the insurance shall be
<br /> cliosen 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 determinafion, certification and tracking services; or (b)a one-time charge for flood zone detemunation and
<br /> certificarion services and subsequent chazges each time remappin�s or similar changes occur which reasonably might
<br /> affect such determination or certification.Borrower shait also be responsibie for the payment of any Fees imposed by the
<br /> Federal Emergency ManagementAgeney in connecrion wid�the review of any flood zone determination resufting from
<br /> an objection 6y Borrower.
<br /> If Borrower fails to maintain any of the eoverages described above;Lender may obtain insurance coverage, at
<br /> Lender's option and Borrower's eYpense.Lender is under no obligarion to purchase any particular Type or amount of
<br /> coverage.Therefore,such coverage shall cover Lender,but might or mi�ht not protect Borrower,Borrower's equity in
<br /> the Property,or the con[ents of the Property,against any risk,hazard or liability and might provide greafer or lesser
<br /> coveragc than was previously in effect.Borrower aclmowledaes that the cost of the insurance eoverage so obtained might
<br /> significantly exceed the cost of insurance thatBorrower could liave obtained.Any amounts disbursed by Lender under
<br /> this Section 5 shall become additional debt of Bonower secured by this Security Instrument.These amounts shall bear
<br /> in[erest at the Note rate from dte date of disbursement and shall be payable,with such interest,upon notice from Lender
<br /> to Borrower requestin�payment.
<br /> All insurance policies required by Lender and renewals of such policies sl�all be subject to Lender's right to
<br /> disapprove such policies,shall include a standard mortgage clause,and shall nazne Lender as mortgagee and/or as an
<br /> additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires,
<br /> Borrower shall promptly give to Lender all receipts of paid premiums and renewa!notices.IfBorrowerobtains any form
<br /> of insurance coverage,not otherwise required by Lender,for damage to,or des�uction o�the Property,such policy shall
<br /> include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee.
<br /> In the event of loss,Bonower shall give prompt notice fo the insurance carrier and Lender.Lender may make proof
<br /> of(oss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance
<br /> NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERSForm 3028 1/01
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<br /> ios,i��. Borzower(s)Initials
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