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<br /> required by RESPA, and Borrower 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 fu11 of all sums secured by this Security Instrument, Lender shall promptly refund to
<br /> Borrower any Funds held by Lender,
<br /> 4, Charges; Liens. Borrower sha11 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
<br /> the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that
<br /> these items are Escrow Items, Borrower shall pay them in the inanner provided in Section 3,
<br /> Borrower shall proinptly discharge any lien which has priority over this Security Instrument unless
<br /> Borrower: (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 Borrower 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 satisfactory to Lender subordinating the
<br /> lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which
<br /> can attain priority over this Security Instrument, Lender may give Borrowei a notice identifying the lien.
<br /> Within 10 days af the date on which that notice is given, Borrower shall satisfy the lien or take on�or more
<br /> of the actions set forth above in this Section 4.
<br /> Lender 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 fire, hazards included within the term "extended coverage," and any other
<br /> hazards including, but not limiCed to, aarthquakes and floods, for which Lender requires insurance. This
<br /> insurance shall be maintained in the amounts{including deductible levels) and for the periods that Lender
<br /> requires, Wliat Lender reyuires pursuant to the preceding sentences can change during the term of the Loan.
<br /> The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to
<br /> disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may reqnire
<br /> Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination,
<br /> certification and trackiiig services; or (b) a one-time charge for flood zone determi�ation and certification
<br /> services and subsequent charges each time remappings or similar changes occur which reasonably might
<br /> affect such determination or certification, Borrower shall also be responsible for the payment of any fees
<br /> imposed by the Federal Emergency Management Agency in connection with the review of any flood zone
<br /> determination resulCing 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
<br /> amount of coverage. Therefore, such cove�age shall cover Lender, but might or might not protect Borrower,
<br /> Borrower's equity in tihe Property, or the contents of the Property, against 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 cast of insurance that Borrower could
<br /> have obtained, Any amounts disbursed by Lender under Chis Section 5 shall become additional debt of
<br /> Bori�ower secured by this Security Instrument, These amounts shall bear interest at the Note rate froin the
<br /> date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower
<br /> requesting payment.
<br /> 231224
<br /> NEBRASKA-SIngle Family-Fannle Mae/Freddla Mac UNIFORM INSTRUMENT Form 3028 1/01
<br /> VMP OO VMP6INE)(1106)
<br /> Wolters Kluwer Financlal Services Page 8 of 17
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