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<br />The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or
<br />entity (including Lender, if Lender is � institution whose deposits are so insurec� or in any Federal Home
<br />Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specifiefl under
<br />RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the
<br />escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and
<br />Applicable Law permits Lender to make such a charge. Unless an agr�t is made in writing or
<br />Applicable Law renuires interest to be paid on the Funds, Lender ahall not be required to pay Bonower any
<br />interest or earnings on the Funds. �rrower and I.ender can agree in writing, however, that interest shall be
<br />paid on the Funds. I.ender shall give to Borrower, without chazge, an annual accounting of the Funds as
<br />required by RESPA.
<br />If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for
<br />the excess funds in accordance with RESPA If there is a shortage of Funds held in es�ow, as defined under
<br />RESPA, I.euder sha11 notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount
<br />necessary to make up the shortage in acxordance with RESPA, but in no more than 12 monthly payments. If
<br />there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as
<br />required by RESPA, and Borrower sha11 pay to I.ender the a�munt necessaxy 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 se,cured by this Security Instrument, Lender sball promptly refimd to
<br />Borrower any Funds held by L,ender.
<br />4. Charges; Uens. Borrower sha11 pay all taxes, assessments, charges, fines, and impositions attributable to
<br />the Progerty wluch c�n attain priority over ttris Security Instnm►ent, leasehold payments or ground rents on
<br />the Pro�rty, if any, and Community Association Dues, Fee.s, and Assessnnents, if any. To the extent that
<br />these items are Escrow Items, Borrower sha11 pay them in the manner provided in Section 3.
<br />Borrower shall promptly discharge any lien wluch bas priority over tlus Se�urity Instrument unless
<br />Borrower: (a) agrees in writing to the payment of tha obligation s�ured by the lien in a manner acceptable
<br />to Lender, but only so long as Borrower is performing such agr�ment; (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 wlule those proceedings are pending, but only until such proceedings are
<br />concluded; or (c) se�cvres from the holder of the lien an agreement satisfactory to Lender subordinating the
<br />lien to this Security Instrument. If Lender det�nnines that any pazt of tha Properiy is subject to a lien which
<br />can attain priority over this Se,cvrity Instrument, Lender may give Borrower a notice identifying the lien.
<br />Within 10 days of the date on wluch tUat notice is given, Borrower shall salisfy the lien or take one or more
<br />of the actions set forth above in this Section 4.
<br />Lender may require Borrower to pay a on�time chazge for a real e.gtata tax verific�tion and/or reporting
<br />service used by Lender in connection with this Loan.
<br />5. Properly Insurance. Borrower shall keep the improvements now existing or hereafter erected on the
<br />Property inaured against loss by fira, hazards includefl within the term "extended coverage," and any other
<br />hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This
<br />insurance sball be maintained in the a�imts (including deducti�ble levels) and for the periods that Lender
<br />requires. What Lender requires pursuant to the preceding sentences c�n change during the term of the Loan.
<br />Tha insurance cazrier providing the insurance ahall be chosen by Borrower subje�t to Lender's right to
<br />disapprove Borrower' s choicx, which right shall �not be exercised unreasonably. Lender may require
<br />Borrower to pay, in connection with thia Loan, either: (a) a one-time charge for flood zone determination,
<br />certification and tracking services; or (b) a one-time charga for flood zone determination and certification
<br />2200300133 D VBANE
<br />NEBHASKASh�gle FamOy-Fannle Mae/Freddie Mac UNIFOFNA INSTRUMENT WITH MERS Form 3048 1/07
<br />yMP (ql VMPBA(NE) (1106)
<br />Wok�e Kqrvva F�er� S�k� Pepe 8 oi 17
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