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<br />Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by
<br />Lender.
<br />4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the Property which can
<br />attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues,
<br />Pees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in
<br />Section 3.
<br />Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to
<br />the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such
<br />agreement; (b) contests the lien in good faith by, or defends against enforcement ofthe lien in, legal proceedings which in Lender's opinion
<br />operate to prevent 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 Instrument. If Lender
<br />determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give
<br />Borrower a notice identifying the lien. Within 1 D days ofthe date on which that notice is given, Borrower shall satisfy the lien or take one or
<br />more of the actions set forth above in this Section 4.
<br />Lender may require Borrower to pay aone-time charge for a real estate tax verification and/or reporting service used by lender in
<br />connection with this Loan.
<br />5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss
<br />by fire, hazards included within the teen "extended coverage," and any other hazards including, but not limited to, earthquakes and floods,
<br />for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and forthe periods that
<br />Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier
<br />providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be
<br />exercised unreasonably, lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone
<br />determination, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and
<br />subsequent charges each time rernappings or similar changes occur which reasonably might affect such determination or certification.
<br />Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with
<br />the review 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 Lender's option and
<br />Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall
<br />cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk,
<br />hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the
<br />insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed
<br />by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear
<br />interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower
<br />requesting payment.
<br />All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies,
<br />shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the
<br />right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums
<br />and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction
<br />of, the Property, such policy shall include a standard mortgage clause and shall name 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 make proof of loss if not made
<br />promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying
<br />insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically
<br />feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance
<br />proceeds until lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction,
<br />provided that such inspection shall be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single
<br />payment or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires
<br />interest to be paid on such insurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds. Fees
<br />for public adjusters, or other third parties, retained by Borrower shall not be paid out of the insurance proceeds and shall be the sale
<br />obligation of Borrower. if the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance
<br />proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower.
<br />Such insurance proceeds shall be applied in the order provided for in Section 2.
<br />If Borrower abandons the Property, Lendermay file, negotiate and settle any available insurance claim and related matters. Ifl3orrower
<br />does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate
<br />and settle the claim. The 30-day period will begin when the notice is given. In either event, or if Lender acquires the Property under
<br />Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance proceeds in an amount not to exceed the
<br />amounts unpaid under the Note or this Security Instrument, and (b) any other of Borrower's rights (other than the right to any refund of
<br />unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar as such rights are applicable to the
<br />coverage of the Property. Lender may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the
<br />Note or this Security Instrument, whether or not then due.
<br />NEBRASKA -Single Family-Fannie Mae/Freddie Mac UNIFpRM INSTRUMENT Form 3028 1/01
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