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<br />scrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender
<br />e 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 all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any
<br />unds held by Lender.
<br />4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the
<br />roperty which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if
<br />ny, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items,
<br />orrower 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 Borrower:
<br />) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so
<br />ng as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of
<br />e lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those
<br />roceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an
<br />greement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of
<br />e Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a
<br />otice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take
<br />ne or more of the actions set forth above in this Section 4.
<br />5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property
<br />sured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but
<br />of limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the
<br />mounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the
<br />receding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be
<br />hosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised
<br />reasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood
<br />one determination, certification and tracking services; or (b) a one-time charge for flood zone determination and
<br />ertification services and subsequent charges each time remappings or similar changes occur which reasonably might
<br />ffect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the
<br />ederal Emergency Management Agency in connection with the review of any flood zone determination resulting from
<br />n objection by Borrower.
<br />If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at
<br />ender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of
<br />overage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the
<br />roperty, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage
<br />han was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might
<br />ignificantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under
<br />his Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear
<br />nterest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to
<br />orrower requesting payment.
<br />All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to
<br />isapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as
<br />dditional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires,
<br />orrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form
<br />f insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall
<br />nclude a standard mortgage clause and shall name Lender as mortgagee and/or as additional loss payee.
<br />In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof
<br />f loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance
<br />roceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the
<br />roperty, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and
<br />estoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to
<br />nspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall
<br />HA Nebraska Deed of Trust with MERS 1/2015
<br />S, Inc. - 59482
<br />tP.OR1111111111
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<br />Borrower(s) Initials ,e,�.
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