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201�07509
<br />required by RESPA, and Bonower shall pay to Lender the amount necessary to make up the deficiency in
<br />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 sha11 promptly refund to
<br />Borrower any Funds held by Lender.
<br />4. Charges; Liens. Bonower shall pay all taxes, assessments, charges, fines, and impositions attributable to
<br />the Property which can attain priority over this Securiry Instrument, leasehold payments or ground rents on
<br />the Property, if any, and Community Associarion Dues, Fees, and Assessments, if any. To the extent that
<br />these items aze Escrow Items, Borrower shall pay them in the manner provided in Section 3.
<br />Bonower shall promptly discharge any lien which has priority over this 5ecurity Instrument unless
<br />Bonower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable
<br />to Lender, but only so long as Bonower is performing such agreement; (b) contests the lien in good faith by,
<br />or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent
<br />the enforcement of the lien while those proceedings are pending, but only until such proceedings are
<br />concluded; or (c) secures from the holder of the lien an agreement satisf�tory to Lender subordinating the
<br />lien to this Security Instrument. If Lender determines thai any part of the Property is subject to a lien which
<br />can attain priority over tt�is Security Instivment, Lender may give Borrawer a gotice identifying the lien.
<br />Within 10 days of tlie date on which that norice is given, Borrower s}� satisfy t�e lien or take one or more
<br />of the actions set forth ahOVe in this Section 4.
<br />I,ender may rec�uire Borrov�er to pay a one-time charge for a real es�te tax verification and/or reporting
<br />service u� by �,�r iB commnection with this Loan.
<br />5. Preperty l�esu�ece. BoEr�rvvea st�all &eep the improvements now existittg or k�reafter erected on the
<br />Property i� aga�t I�,c b}r �e, hazards included within the te� "exten�exl coverage," and any otBaer
<br />hazar�s inci�di,�g, &� aot ��eed �o, earthquakes and floods, for which �ndes rec}uires iusuraar,e. 'F�,is
<br />insurar�ce s� be i� t�e a�naunts (including deductibte Iev�Is} anct for the perio�s tha� �des
<br />re4uire�s. �at b�d`ea reeprsires gursuax�t to the preceding sentences can change during the term of tfie Loa�s.
<br />The iIISUrauce catrier provid�ng the ias�uance shall be chosen by B�rrower subject to Lender's rigist ta
<br />disagprave BorroweF's choice, which right shall not be exercised unreasonably. Lender may require
<br />Borrower ta ga�, in co�ectpon �+ith this Loan, either: (a) a one-time charge for flood aone �eetermination,
<br />certificatioa � tea��g se�ices; or (b) a one-time charge for flo� zone determination anct certifc,ation
<br />services �cfi stt�t �arges each ti� remappings or similar chauges occur �+hich reasonably might
<br />affect such deternvs�atioa or cerpi�cation. Borrower sha11 also be responsible for the payment of any fees
<br />itngosed by the Fe,deral Emergency Management Agency in connecrion with the review of any flood aone
<br />determination resvlting fmm an objecrion by Borrower.
<br />If Bortower fails to maintain any of the coverages described above, T.endes �y obtain insurance coverage,
<br />at Lender's oprion and Bonower's expense. Lender is under no obligatian to purchase any particular type or
<br />amount of coverage. Therefore, such coverage shall cover Lender, but �tight or might not prote,ct Bonower,
<br />Borrower's equity in the Property, or the contents of the Property, agaiast any risk, hazard or liability and
<br />might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost
<br />of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could
<br />have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of
<br />Borrower secured by this Securiry Instrument. These amounts shall bear interest at the Note rate from the
<br />date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower
<br />requesting payment.
<br />NEBRASKA-Single Family-Fann(e Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/Ot
<br />VMP � VMP6INE) (1105)
<br />Wolters Kluwer Financial Services Page 6 of 77
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