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<br />The Funds sball be held in an institution whosa deposits are insured by a feiieral agency, instrumentality, or
<br />entity (including Lender, if Lender is � institution whose deposi�s are so insur� or in any Federal Home
<br />Loan Banlc. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under
<br />RESPA. I.ender shall not charga Borrower for hulding and applying the Funds, annually analyzing the
<br />escrow acco�mt, or verifying the Escrow Items, unless Lender pays Horrower interest on the Funds and
<br />Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or
<br />Applicable Law requires interest to be paid on the Funds, Lender aha11 not be requir� to pay Borrower any
<br />interest or earnings on the Funds. Borrower and Lender can agr� in writing, however, that interest shall be
<br />paid on the Funds. Lender sha,ll give to Borrower, without charge, an annual accounting of the Funds as
<br />renuired by RE5PA.
<br />If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for
<br />the excess fimds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under
<br />RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount
<br />necessary to make up the shortage in accordance 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 Lender the amount nec;essary to make up the deficiency in
<br />accordance with RESPA, but in no more than 12 �nthly payments.
<br />Upon payment in full of a11 swms s�ured by this Security Instrument, Lender shall promptly refimd to
<br />Bonower any Funds held by Lender.
<br />4. Charg�s; I�ens. Borrower shall pay all taxes, asse.qsments, charges, fines, and impositions attributable to
<br />the Properiy which can attain priority over this Security Instrument, leasehold payments ar ground rents on
<br />the Properiy, if any, and Community Association Dues, F�, and Assessments, if any. To the extent that
<br />these items ara Escrow Itema, Borrower shall pay them in the manner provided in Section 3.
<br />Bonower shall promptly dischazge any lien which has priority over this Seeurity Inslrument unless
<br />Borrower: (a) agrces 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 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 while those proc�dings are pending, but only until such proce,edings are
<br />conclud�; ar(c) s�ures from the holder of the lien aa agreement satisfactory to Lender subordinating the
<br />lien to this Security Instrumeat. If Lender determin� that any part of tha Property is subj�t to a lien which
<br />can attain priority over tlus Security Inshvment, Lender may give Borrower a notice identifying the lien.
<br />Within 10 days of the date on wluch that notice is given, Bonower shall satisfy the lien or take one or more
<br />of the actions set forth above in titis 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 conne,ction with ttus Loan.
<br />5. Properly Insurance. Borrower sha11 keep the improvements now e�cisting or hereafter erected on the
<br />Property insured against loss by fire, ha�rds included within the texm "extende� coverage," and any other
<br />hazards including, but not limited to, eazthquakes and flo�s, for which Lender requires insurance. This
<br />inaurance shall ba maintained in the amounta (including deductible levels) and for the periods that Lender
<br />requires. What Lender requires pursuant to the pre�ding sentences c�n change during the term of the Loan.
<br />The insurance carrier providing the insurance shall be chosen by Boaower subject to Lender' a right to
<br />disapprove Borrower' s choice, which right shall not be exercised imreasonably. Lender may require
<br />Borrower to pay, in connection with this Loan, either: (a) a one-time charge for fl�d zone determination,
<br />certification and tracking services; or (b) a one-time charge far flood z�na determination and certification
<br />2200271788
<br />NEBRASKASfngle FeanBy-FenNe MaelFreddle Mac UNIFORM IN3T'RUMENT WITH MERS
<br />W�e Kluw� F6�erqial Services
<br />D VBANE
<br />Form 3038 1 /01
<br />VMPBA(NE) (1706)
<br />Page 8 of 17
<br />W '� �'
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