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<br />If there is a surplus of Funds held in escrow, as defined under R>tiSPA, Lender shall account to $orrower for the excess
<br />funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify
<br />Borrower as required by RESPA, and $orrower shall pay to Lender the amount necessary to make up the shortage in
<br />accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined
<br />under RESPA, Lender shall notify Borrower as required by RESPA, and $orrower shall pay to Lender the arnouni necessary to
<br />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 Ltstnuuent, Lender shall promptly refund to $orrower any
<br />Funds held by Lender.
<br />4. Charges; i,icns. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to the
<br />Property which can attain priority over this Security Irtstntrnent, leasehold payments or ground rents on the Property, if any,
<br />and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower
<br />shall pay them in the maurter provided in Section 3.
<br />Borrower shall promptly discharge any lien which has priority over ibis Security Ltstntment unless Borrower: (a) agrees in
<br />writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is
<br />performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings
<br />which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pendutg, but only until such
<br />proceedings are concluded; or (c) secures from the holder of the lien art agreement satisfactory to Lender subordinating the lien to
<br />this Secttr-ity Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this
<br />Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is
<br />given, Borrower shall satisfy the lien or take one or 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
<br />Lender in connection with this Loan.
<br />5. Property Insurance. Borrower shall. keep the improvements now existing or hereafter erected ort the Property
<br />insured against loss by fire, hazards included within the teen "extended coverage," and any other hazards including, belt not
<br />limited to, earthquakes utd floods, for which Lender requires insurance. This insurance shall be maintained iit the amounts
<br />(including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding
<br />sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower
<br />subject to Lender's right to disapprove $otrower's choice, which right shall not be exercised unreasonably. Lender may require
<br />Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certification and
<br />tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each
<br />time remappings or similar changes occur which reasonably might affect such determination or certificatiatt. $orrower shall
<br />also be responsible for the payment of arty fees imposed by the Federal Emergency Management Agency in connection with
<br />the review of arty flood zone detetmittatiort restdting from an objection by $orrower.
<br />If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's
<br />option and $orrower's expense. Lender is under rto obligation to purchase any particular type or amount of coverage.
<br />Therefore, such coverage shall cover Lender, but might or might not protect Borrower, $orrower's equity in the Property, or
<br />the contents of the Property, against any risk, hazard ar liability and might provide greater or lesser coverage than was
<br />previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the
<br />cost of insurance that Harrower could have obtained. Any amounts disbtused by Lender under this Section 5 shall become
<br />additional debt of Borrower secured by this Sec:uriiy Instrument. These amounts shall hear interest at the Note rate Pram rite
<br />date of disbursement and shall be payable, with such interest, 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 to disapprove
<br />such policies, shall include a standard mortgage clause, artd shall name Lender as mortgagee and/or as an additional loss payee.
<br />Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to
<br />Lender all receipts of paid premiums and renewal notices. If Borrower obtains arty forn of insurance coverage, not otherwise
<br />required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and
<br />shall name Lender as mortgagee and/or as art additional loss payee.
<br />In the event of loss, Borrower shall give prompt notice to @te insurance carrier and Lender. Lender may make proof of
<br />loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds,
<br />whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the
<br />restoration or repair is economically feasible autd Lender's security is not lessened. During such repair and restoration period,
<br />Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to
<br />ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly.
<br />Lender may disburse proceeds for the repairs and restoration in a single payment pr in a series of progress payments as the
<br />NEBRASKA-Single Patnily---Fannie Mae/Freddte Mac UNIF(]RM INSTRUMENT
<br />Form 3U2tS t/Ol
<br />ITEM T26981.5 (0308rMERS C3REATLAND ^
<br />(Page S of 12 ages) To OMer Call: 1$Oo-530-8393 ~ Fax: 616-791-1131
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