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201201689 The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality,or entity(including Lender,if Lender is an institution whose deposits are so insured)or in any Fedeeal Home Loan Bank.Lender shall apply the Funds to pay the Escrow items no later than the time specified under RESPA.Lender shall no[chazge Borrower for holding and applying the Funds,annually analyzing the escrow account,or verifying the Escrow Items;unless Lender pays Borrotiver interest on the Funds and Applicable Law permits Lender to makz such a charge.Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can aaree in writing,however,that interesC shall be paid on the Funds.Lender shall give to Borrower,withouf charge, an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow,as defined under RESPA,Lender shall account to Borrower for the excess funds in accordance with RE SPA.If there is a shortage of Funds held in escrow,as defined under RESPA,Lender shall notify Borrower as required by RESPA,and Borrower shall pay to Leuder the amount necessary to make up the shoi�tage in accordance with RESPA,but in no more than 12 monthly payments.If there is a deficiency of Funds held in escrow,as defined under RESPA,Lender shall notify Borrower as required by RESPA,and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA,6ut in no more than 12 monthly payments. Upon payment in full of all sums secured by this Securiry Instrument,Lender sliall promptly refund to Borrower any Funds held by Le��der. 4. Charges; Liens.Borrower shall pay all taxes,assessments,charges, fines,and impositions attributable to the Propzrry which can attain priority over this Security�nstrument,leasehold payments or ground rents on the Propzriy, if any,and Community Association Dues,Fees,and Assessments, if any. To the eatent that these items are Escrow Items,Borrower shall pay them in the manner provided in Section 3. Borrower sl�all promptly discharge any lien which has priority over this Security Instrument unless Borrower:(a)agrees in writing to tlie payment of the obligation secured by the lien in a manner acceptable to Lender,but only so long as Borrower is performing such agreement(b)contests the lien in good faith by; or defends against enforcement ofthe lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending.but only until such proceedings are concluded;or(c)secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument.If Lender determines that any part of Yhe Property is subject to a lien which can attain priority over this SecuriTy Insfniment,Lender may give Borrower a notice idenUfying the lien. R'ithin 10 days of the date on svhich that notice is given,Borroa�er shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a on�time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. PPOperty Insuranee. Boirower shal[keep tlie improvements now existing or hereafCer erected on the Property insured against loss by fire, hazards included within the term"extended coverage,"and any other liazards including,but not limited Co, earthquakes and floods,for which Lender requires insueance.This insurance shall be maintained in the amounts(including deductible levels)and for the periods that Lender requires.What Lender requires pursua�lt to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice,which right shall not be exercised unreasonably.Lender may require Borrower to pay, in connection with this Loan,eithar:(a)a on�time charge for flood wne determination, certification and tracking services;or(b)a one-time char�e for flood zone determination and certification 6801159510 8801159510 NEBRASKA-Sin9ie Family-Fannie Mae/Freddie MacUNIFORM INSTRUMENT WITH MFRS Form 30261!07 VMP Qu UMP6A(NEJ(11051 Wolters Kluw er Flnenclal Servlces Page 6 of 17