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M20105oo
<br />If there is a surplus of Funds held in escrow, as defined under RESPA, Lentler shall 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 />shall notify Borrower as required by RESPA, and Borrower shell pay to Lender the amount necessary to make up the shortage
<br />in accordance with RESPA, but in no more than 12 monthly payments. If there is a deFgiancy of Funds held in escrow, as
<br />defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount
<br />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 />Funds held by Lentler.
<br />4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to
<br />the 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, IT any. To the extent that these items are Escrow Items,
<br />Borrower shall pay them In the manner provided In Section 3.
<br />Borrower shell promptly discharge any Ion which has priority over this Security Instrument unless Borrower: (a)
<br />agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as
<br />Borrower is perm ring such agreement; (b) contests the Ian in good faith by, or defends against enforcement of the lien in,
<br />legal proceedings which In Lenders opinion operate to pravant the enforcement of the lien while these proceedings are
<br />pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory
<br />to Lender subordinating the Ilen to this Security Instrument. If Lender determines that any part of the Property is subject to a
<br />Ion which can attain priority over this Security Instrument. Londe• may give Borrower a notice Identifying the lion. Within 10
<br />days of the date on which that notice is given, Borrower shall satiety the lien or take one or more of the actions set forth
<br />above In this Section a.
<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 this Loan.
<br />5. Property Insurance. Borrower shell keep the improvements now existing or hamster emct.d on the
<br />Property insured against loss by fire, hazards included within the tens "extended coverage," and any other hazards including,
<br />but not limited lo, earthquakes 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 prominent to the
<br />preceding sentences can change during the tens of the Loan. The insurance carrier providing the insurance shall be chosen
<br />by Borrower subject to Lenders right to disapprove Borrowers choice, which right shall not be exercised unreasonably.
<br />Lender may require Borrower to pay, in connection with this Loan, either: (a) a one time charge for flood zone determination,
<br />certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and
<br />subsequent charges each time remappi or similar changes Coeur which reasonably might affect such determination or
<br />certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management
<br />Agency in connection with the revow of any 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 />Lenders option and Borrowers expense. Lender is under no obligation to purchase any particular type or amount of
<br />coverage. Therefore, such coverage shall cover Lentler, but might or might not protect Borrower, Borrower's equity in the
<br />Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than
<br />was previously in affect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly
<br />exceed the Cost of Insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5
<br />shall become additional debt of Borrower secured by this Security Instrument. These amounts shall beer interest at the Note
<br />rate from the date of disbursement and shall be payable , with such interest, upon notice from Lender to Borrower requesting
<br />payment.
<br />All Insurance policies required by Lender and renewals of such policies shell be subject to Lender's right 10
<br />disapprove such policies, shall Include a standard mortgage clause, and shell name Lender as mortgagee and /or as an
<br />additional loss parties. Lander shell have the might to hold the polices and renewal certificates. It Lender requires, Borrower
<br />shall promptly give to Lentler all receipts of paid premiums and renewal notices. If Borrower obtains any form of Insurance
<br />coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a
<br />standard mortgage clause and shall name Lender as mortgages and/or as an additional loss payee.
<br />In the event of loss. Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make
<br />proof of loss If not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance
<br />proceeds, whether or not the underlying Insurance was required by Lender, shall be applied to restoration or repair of the
<br />Property, if the restoration or repair Is economically feasible and Lender's security is not lessened. During such repair and
<br />restoration period, Lender shall have the right to hold such Insurance proceeds until Lender has had an opportunity to inspect
<br />such Property to ensure the work has been completed to Lender's Satisfaction, provided that such Inspection shall be
<br />undertaken promptly. Lender may disburse proceeds for the replace and restoration in a single payment or In a series of
<br />progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to
<br />be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or eamings on such
<br />proceeds. Fees for public adjusters, or other third parties, retained by Borrower shell not be paid out of the Insurance
<br />proceeds and shall be the sole obligation of Borrower. If the restoration or repair is not economically feasible or Lender's
<br />security would be lessened the Insurance proceeds shall be applied to the sums secured by this Security Instrument, whether
<br />or not then due, with the excess, N any, paid to Borrower. Such insurance proceeds shall be applied in the Order provided
<br />for in Section 2.
<br />If Bcrnwer eb.Pdons the Property, Lender may file , negotiate and settle any available Insurance claim and related
<br />matters. If Borrower does not respond within 30 days to a notice from Lender that the Insurance carrier has offered to settle
<br />a claim, then Lender may negotiate and settle the claim. The 30-dey period will begin when the notice is given. In either
<br />event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrowers
<br />rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument,
<br />and (b) any other of Borrowers rights (other than the right to any refund of unearned premiums paid by Borrower) under all
<br />insurance policies covering the Property, insofar as such rights are applicable to the coverage of the Property. Lender may
<br />use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security
<br />Instrument, whether or not then cue.
<br />NEBRASKA -Smcl Family Fannie Maeffretldie Mac UNIFORM INSTRUMENT Form 3028 1101 (Faaa a of a ns-)
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