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2p1204254 Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or othenNlse in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency, instivmentality, or endty (including Lender, 1f Lender is an insfltuflon whose deposits are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the tlme speclfied under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law pern►its Lender to make 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 eamings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be paid on We Funds. Lender shall give to Borrower, wiWout charge, an annual acconnting of the Funds as requlred by RESPA. ff 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 RESPA. If there is a shortage of Funds held in escrow, as deflned under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the aznount necessary to make up the shortage in accordance with RESPA, but in no more than 12 montlily payments. If there is a deflciency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borcower shall pay to Lender the amount necessary to make up the deficiency ia accordance with RESPA, but in no more than 12 monWly payments. Upon payment in full of all sums secured by this Securlty Instrument, Lender shall prompdy refund to Borrower any Funds held by Lender. 4. Chatges; Liens. Borrower shall pay all taxes, assessments, charges, iines, and imposiflons attributable to the Property which can attain priority over this Security Instivment, leasehold payments or ground rents on the Property, if any, and Commuaity Associaflon Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Bonower shall pay them in the manner provided in Sectlon 3. Borrower shall promptly discharge any lien which has priorlty over this Security Instrument unless Borrower: (a) agrees in wrlting to the payment of the obllgaflon secured by We llen in a manner acceptable to Lender, but only so long as Bonower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the llen in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the llen while Wose proceedings ace 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 Securlly Instrument. If Lender determines that any part of the Property is subject to a lien which can attain prlodty over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the acflons set forth above in th9s Secflon 4. Lender may requlre Bonower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connecdon with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by flre, hazards included within the term "extended coverage," and any ott►er hazards including, but not limited to, earthquakes and NEBRA$KA — Single FamRY -- Femie MaelFraddie Meo UNII+ORbI IN8IRUM��T Form 30Z8 Ol /� � GCC - Ci3028-06 (09/01) (Page 6 of19) Initiels: ��d