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�0120�04�
<br />The Fwids ahall be held in an institution whosa deposits are insured by a federal agency, instimm�entality, or
<br />entity (including Lender, if Lender is an inatitution whosa deposits are so insure� or in any Federal Hame
<br />Loan Bank. Lender shall apply the Funds to pay the F..scrow Items no latar thaa tha tima specified undar
<br />RESPA I.ender aha11 not charge Boirower for holding and applying the Funds, annually analyzing the
<br />ascrow accoimt, or verifying tha F.scrow Items, unle� Lender pays B�rowar interest on tha Funds aad
<br />Applicable I.aw permits Lender to maka s�ch a charge. Unlass aa a�nt is made in writing or
<br />Applicable Law requires interest to ba paid on the F�mds, Lander al�all not be required to pay Bonower any
<br />interest or esrninga on the Funds. Borrower and Lender c�n agree in writing, however, tbat interest ahall be
<br />paid on tha Funds. I.ender shall give to Bonower, without chazge, an annual accounting of tha Funds as
<br />requirefl bY RESPA.
<br />If there is a surplus of Funds hald in escrow, as defined under RESPA, Lender shall accouat to Borrower for
<br />the excess fimds in accordance with RESPA. If there is a shortage of Fu�ls hald in esaow, as dafined under
<br />RESPA, Lender shall notify Borrower as reqirired by RESPA, and Borrower shall pay to Lender the amowrt
<br />necessary to make up the shortaga in accordance with RESPA, but in no more than 12 a�anthlY PaYments. If
<br />there is a deficiency of Funds held in escrow, as defined undar RESPA, Lender sha11 notify Bonower as
<br />required by RESPA, and Borrower ahall pay to Lender the �unt necassary to make up the deficiency in
<br />accordance with RESPA, but in no �ra thsn 12 a�nthlY PaYments•
<br />UPon PeYment in full of all sums secured by thia Security Instrument, Lende�' shall PromPtlY refund to
<br />Borrowar any Funda held by Lender.
<br />4. Char+�� Llens. Borrower ahall pay all taxes. assessments, chazges, fines, and impositions atln`butable to
<br />the Property wluch cen attain priority over this Sacurity Ins�t, leasehold payments or ground rents on
<br />the ProP�Y. � ffiY, ����tY �� D�, F�, � Ass�ts, if aay. To the extent that
<br />thesa items are F.scrow Items, Borrower ahall pay them in the maan� provided 'm Section 3.
<br />Borrower shall promptly discharge any lien wltich has priority over this Se�rity Inst�vmeni unless
<br />Borrower: (a) agreas in writing to the payment of the obligation sacured by tha lien in a manner �xeptabla
<br />to I.ender, but only so long as Borrower is performing such agre�ent; (b) cont�sts tha li� in good faith by,
<br />or defends against enforcement of the lien in, legal Proc�adings wluch in Lender's opinion op�ata to prevent
<br />the enforcement of tha lien whila thosa proc�edings are panding, but only w�til such proccedings are
<br />concluded; or (c) sec�aes from tha hold� of tha lien an agreament satiafacta�y to Le,nder subord'mating tha
<br />lien to this Security Instnmaent. If Lend� dete�mines that any part of tha Prop� ty is subject to a lien which
<br />c�n attain priority over this Security �ns�ment, Lender may give Borrow� a notice identifying the lien.
<br />Within 10 days of tha date on which that notice ia given, Borrower sha11 satisfy the lien or take ona or �ra
<br />of the actions set forth above in this Section 4.
<br />Lender may require Bonowar to pay a one-tinne charga for a real � tax v�ific�tion and/or reporting
<br />service used by I.ender in conn�tion vvith this Loan.
<br />5. Pr�perty Ir�surance. Borrower shall keep the improvem,ents now existing or hereafter er� on the
<br />Properly insured against loss by fire, ha�ds included witbin the taim "extended coverage," aad any other
<br />bazards including, but not limited to, earthquakes and flo�s, for which Lend� requires insuraace. This
<br />inaurance shall be maintained in the a�unts (including deducti'ble levels) and for the peri�s t1�at Lender
<br />requires. Whai I.ender requires pursuant to tha preceding sentencas can change during the t�m of the Loan.
<br />The insia�nce c�crier providing the insuraace shall be choaen by Borrower subject to Lensler's right to
<br />disapprova Borrower' a choice, which right shall not ba exercised uareasonably. Lender m�y reqiura
<br />Borrower to pay, in connection with this Loan, aither: (a) a one-time charge for fl� zone detem�ination,
<br />certific�tion aad tra.cking sarvices; or (b) a onwtime charga for flood zona det.�mination and c�rtification
<br />2200287833
<br />PIEBRASKA.�Is Fam�y-FanNe M�IFreddte Mao UMFORM INSTRUMENT WRH AAERS
<br />W otte e IOuwer Rnendd 3ervbes
<br />D VBANE
<br />Fam 3038 7 /01
<br />VMPBA(NE) (110b)
<br />Pege 8 ot 7 7
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