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201201354
<br /> The Funds shall be held in a�insCituYion whose deposits arc insured by a federal agency, instrumentality, or
<br /> entity(including Lender, if Lender is an institution whose deposirs are so insured)or in any Federal Hoine
<br /> Loan IIank. Lender ehall apply the Fimdb to pay the Escrow ICems no later Uian the timc spccificd undcr
<br /> RF,SPA Lender sha[1 not charge Borrower for holding and applying thc Funds, annunlly annlyzing the
<br /> escrow account, or verifying the Escrow items, unlcss Lender pays Borrower interesE on the Funds¢nd
<br /> Applicable Law permiCS Lender to make such a chaxge. Unless an agreement is made in writing or
<br /> Applicable Law requires intexest to be paid on the Funds, Lender shall not Ue required to pay Borrower any
<br /> intc��cst or carnings on the Funds. Bon'ower and Lendcr can agrec in writing, however, that interest shall be
<br /> paid ou the Funds. Lender shall give to Borrower, without cl�arge, an annual accounting of the Funds as
<br /> required by RESPA.
<br /> if there is a suxplus of P'unds held in escrow, as defined undcr RESPA, Lc�der shnll ewonnf to Borrower for
<br /> tlic excess funds in accordance with RESPA If there is a shortage of Fimds held in escrow, as defined uuder
<br /> R�,SPA, Lender shall notify Borrower as required by RESPA, and Rorrower shall pay to Lendcr thc amount
<br /> uecessa�y to make up che shortage in aecordauce witl�RF.SPA, but in no tnore thai� 12 month(y payments. If
<br /> there is a deficiency of Funds heid in escmw, as dcfined under RESPA, Lender shall notify Borrower as
<br /> required by RESPA, and Bm�rower shall pay[o Lender the amounr��ecessaiy to mal<e up the deficiency iv
<br /> accordance with RESPA, buc in no more than 12 monthly payments.
<br /> Upon payment in fult of all sums secured by this Sccurily Instrument, Lender shalL promptly refund to
<br /> Borrower any Funds held Uy Le�idcr.
<br /> 4. Charges; Liens. Borrower shall pay all Yaxes, assessments, chargcs, fincs, and impositions attributable Co
<br /> the Property which cu�attaiu prioriry ovc��this Security Iu�trume��y leasehold paymenYS or growid rents on
<br /> the Property, if any, and Coieununi[y Association Dues, Fees, and Assessments, if any. To fhe extenC that
<br /> thesc itc�ns are Escrow Items, Borrowea'shall pay them in thc manner provided in Section 3.
<br /> Borrower shall promptly discharge airy lic��which has priority over this Security instrument unless
<br /> F3orrower: (a) agrees in writing lo the pnyment of the obligation secured by the lien in a manner acecptable
<br /> Co Lende��, Uut only s-o long as Qorrower is perForming such agreemenT, (6)contes[s lhe lien in good faitl� by,
<br /> oi dcfcnds against enforcement of the lien in, legal procccdings v✓hich in Lender's opinion operate to prevent
<br /> the enlorcement of the lien while those procecdings nre pending, but only until such proceedings are
<br /> concluded; or(e)secures fi�om thc holder of the lien an agreemeuY satisfactory to Leodn�subordinaring tlse
<br /> lien to this Sccurity]nsLrvmenG If Lender deCermines that any pazt of the Properly is' subject to a lie�which
<br /> can attain priority over rhis Secw�ity instivment, Lender mtty give Borrower a notice identifying the lien.
<br /> Within 10 days of the date on which [ha[notice is given, I3orrower shall satisfy the lien or take one or morc
<br /> of thc actions set lorlh above in this Seetion 4.
<br /> Lender may require Sorrower to pay a on�time charge for a real estate ta�c verification and/or reporting
<br /> service used by Lendcr in co�nection wi[h this Loan.
<br /> 5. Property Insurance. Borrower shall keep the improvcmcnts now existing or hereafter erected on the
<br /> Property insured against]oss by fire, hazards included withiu the term"extended coverage," and any other
<br /> hazards including, but not lin�ited to, earthqnakes and floods, for which Lender requires insuranca This
<br /> insurance shall bc maiutained in the amounts ('including deductible levels)a�id f'or thc periods that Lender
<br /> rcquires. What Lender requires pursuant to the preccding sentcnces can change during the tenn of the I.oan.
<br /> 'fhe insura�ice carrier providing the insnrance shall be choseu by Borrower subject to Lender's rig�t to
<br /> disapprove Bon�owcr's chuiee, which right s6all not be exercised wireasona6ly. Lc�ider may require
<br /> Borrower to pay, in connecCion with this Loan, cithcr: (a) a one-time charge for flood zone determination,
<br /> certificaeion and h�acking services; or(b)a one-time eharge For flood zone determination a�id ccrtificalion
<br /> 8801151B2B tltl01151929
<br /> NEBRASKA-Sinqle Family-Fannle MaelFredtlle hlac 11NIFORM INSTRl1MENT WITH MERS Form 3028 il�f
<br /> VM P� VMPfiA�NE)(1105)
<br /> W olters Kluwer Flnancial Servlces PaAe 8 011]
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