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<br />without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the
<br />future. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower
<br />from making payments due under the Agreement and this Security Instrument or performing the covenants and
<br />agreements secured by this Security Instrument.
<br />2. Application of Payments or Proceeds. All payments accepted by Lender shall be applied to the Secured
<br />Debt under this Security Instrument as provided in the Agreement unless Applicable Law provides otherwise. Any
<br />application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Agreement shall
<br />not extend or postpone the due date, or change the amount, of the Minimum Payment.
<br />3. Funds for Escrow items. Borrower shall not be required to pay into escrow amounts due for taxes,
<br />assessments, leasehold payments, or other insurance premiums unless otherwise agreed in a separate writing.
<br />4. Charges; Liens; Prior Security Interests. Borrower shall pay all taxes, assessments, charges, fines, and
<br />impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments
<br />or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the
<br />extent that these items are Escrow Items, Borrower shall pay them in a manner provided in Section 3.
<br />Borrower shall promptly discharge any lien, other than the Approved Prior Loan, which has priority over this
<br />Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a
<br />manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good
<br />faith by, or defends against enforcement of the 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 concluded; or
<br />(c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security
<br />Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this
<br />Security Instrument, other than the Approved Prior Loan, 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 of the
<br />actions set forth in this Section.
<br />Lender may require Borrower to pay a one -time charge for a real estate tax verification and/or reporting service
<br />used by Lender in connection with the Agreement. Borrower shall pay when due, or shall cause to be paid when due,
<br />all sums required under the loan documents evidencing the Approved Prior Loan and shall perform or cause to be
<br />performed all of the covenants and agreements of Borrower or the obligor set forth in such loan documents. All of
<br />Lender' s rights under this Covenant shall be subject to the rights of the Holder of the Approved Prior 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 hazards
<br />including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be
<br />maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender
<br />requires pursuant to the preceding sentences can change during the term of the Agreement. The insurance carrier
<br />providing the insurance shall be chosen by Borrower subject to Lender' s right to disapprove Borrower' s choice, which
<br />right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either:
<br />(a) a one -time charge for flood zone determination, certification and tracking services; or (b) a one -time charge for
<br />flood zone determination and certification services and subsequent charges each time remappings or similar changes
<br />occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the
<br />payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any
<br />flood zone determination resulting from 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 particular type or amount
<br />of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower' s
<br />equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater
<br />or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so
<br />obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed
<br />by Lender under this Section shall become additional Secured Debt of Borrower and secured by this Security
<br />Instrument. These amounts shall bear interest at the Agreement rate from, the date of disbursement and shall be
<br />DEBORAH D SCHWEITZ/995151831527470
<br />NEBRASKA HOME EQUITY LINE OF CREDIT DEED OF TRUST
<br />© 2008 DOCMAGIC, INC.
<br />NEHESI.BOA 06/04/13 Page 4 of 13
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