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<br />RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with
<br />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
<br />Borrower any Funds held by Tender.
<br />4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable
<br />to the Property which can attain priority over this Secmiry Instrument, leasehold payments or ground rents oil the
<br />Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items
<br />are Escrow Items, 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 carless
<br />Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a msanier acceptable to
<br />Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or
<br />defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the
<br />enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c)
<br />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 amun priority over this
<br />Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which
<br />that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section
<br />4.
<br />Tender may require Borrower to pay a one -time charge for a real estate tax verification and /or reporting
<br />service used by Lender in connection with this Loan.
<br />5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the
<br />Property insured against loss by fee, 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 amomlts (including deductible levels) and for the periods [hut Lender requires. What Lender
<br />requires pursuant In [he preceding sentences can change during the term of the Loan. The insurance tamer
<br />providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice,
<br />which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan,
<br />either: (a) a one -Buie charge for flood zone determination, certification said tracking services; or (b) a one -time
<br />charge for food zone determination and certification services and subsequent charges each time remappings or
<br />similar changes occur which reasonably might affect such determination or certification. Borrower shall also be
<br />responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection
<br />with the review of any flood zone detemrination resulting from an objection by Borrower.
<br />If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage,
<br />at 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 aid 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
<br />disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security
<br />Instrument. These amocams shall bear interest at the Note rate limn the date of disbursement and shall be payable,
<br />with such harvest, upon notice from Lender to Borrower requesting payment.
<br />All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right
<br />to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and /or as
<br />an 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 renewal notices. If Borrower obtains any
<br />form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such
<br />policy shall include a standard mortgage clause and shall mane Lender as mortgagee and /or as an additional loss
<br />payee.
<br />In the event of loss, Borrower shall give prompt notice to the insurance carrier and lender. Lender may
<br />make proof of loss if not made promptly by Borrower. Unless Lender Wild Borrower otherwise agree in writing, any
<br />insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration
<br />or repair of the Property, if the restoration or repair is economically feasible and lender's security is not lessened_
<br />NEBRASKA — Single Family — Fannie MadFredaie Mac UNIFORM INS'I RUN] ENT Form 30281/01
<br />Min iGeO Far VA
<br />(Page 5 of 13 pax.)
<br />nnrn3NE5..rx lrizzrllls
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