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�0120939�
<br />The Fimds shall be held in an institution whose deposits aza insured by a federal agency, instrumentality, or
<br />entity (including Lender, if Lender is an institution whose deposits are so insur� or in any Federal Home
<br />Loan Bank. Lender shall apply tha F�mds to pay the F.acrow Items no later than the time specified under
<br />RESPA. Lender shall not chazge Boaower for holding and applying the,Funds, annually analyzing the
<br />escrow a�oimt, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and
<br />Applicable Law permits Lender to make auch a charge. Unless an agr�t is made in writing or
<br />Applicable Law requires interest to be paid on the Ftmds, Lender ahall not be reqirired to pay Bonower any
<br />interest or earnings on the Funds. Boaower and Lender can agree in writing, however, tl�at interest shall be
<br />paid on the Fimds. Lender sball give to Borrower, without charge, an annual acxo�mting of the Funds as
<br />required by RESPA.
<br />If there is a surplus of Fimds held in escrow, as defined under RESPA, Lender aha11 account to Borrower for
<br />the excess funds in accordance with RESPA If there is a shortage of Funds held 'm escrow, as defined under
<br />RESPA, Lender shall norify Borrower as requir� by RESPA, and Borrower ahall pay to I.ender the amount
<br />necessary to make up the shortage in acc�rdance with RESPA, but in no �re t1�n 12 �nthly payments. If
<br />ttrere is a deficiency of Funds held in escrow, as defined under RESPA, I,ander sha11 notify Bonower as
<br />requiured by RESPA, and Borrower shall pay to Lendar the a�ount necessary 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 secured by ttris Security Instrw�nt, Lender sha11 promptly refimd to
<br />F3orrower any Funds held by Lender.
<br />4. Chvges; Uens. Borrower ahall pay all taxes, assessments, chazges, fines, and impositions attributable to
<br />the Propezty which c�n attain priority over t1�is Security Tns�ment, leasehold payments or ground rents on
<br />the Properly, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that
<br />the.ge items are Escrow Items, Borrower shall pay them in the manner provided in Section 3.
<br />Horrower shall promptly dischazge any lien wluch has priority over this Sacurity Instrument unl�ss
<br />Borrowar: (a) agrees in writing to tha payment of the obligation sec�ned by tha 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 proceedinga wluch in Lender's opinion operata to prevent
<br />tlqe enforcement of the lien wlule those praceedings are pending, but only wrtil such proc�edings are
<br />concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the
<br />li�en to this Security Instrument. If Lender dete�mines that any part of the Properiy is aubje�ct to a lien wluch
<br />can attain priority over tlus Security Insl�ent, Lender may give Bonower a notice identifying tha lien.
<br />Within 10 days of the date on wluch that notice is given, Bonower shall satisfy the lien or taka one or more
<br />of the actions set forth above in this Section 4.
<br />Lender may require Banower to pay a on�time charge for a ral estate tax verific�tion and/or reporting
<br />service used by Lender in connection with this Loan.
<br />5. �roperly Insurance. Borrower shall keep the improvements now existing or hereafter er� on the
<br />Properiy insured against loss by fire, hazards included within the ternn "exxtended coverage," sad any other
<br />hezards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This
<br />insurance shall be maintained in the amounts (including deduchble levels) and for the periods that Lender
<br />reqirirea. What Lender requires purauant to the pr�eding sentences can changa during the term of the Loan.
<br />�'he insurance carrier providing the insurance shall be chosen by Borrower subje�t to Lender's right to
<br />disapprove Boaower' s choice, wluch right shall not be exercised unreasonably. Lender may require
<br />Borrower to pay, in connection with tlua Loan, either: (a) a one,-time cherge for flood zone determination,
<br />certification and tracking services; or (b) a ono-time charge for flood zone determination and certific�tion
<br />NEBRASKASingle Pe�nnOy-FanNe Mae/Freddle Mac UNIFORM INSTRUMENT WITH�M 36 Form 30�8 1/01
<br />y(�p �q VMPBA�NE) (110b)
<br />Wp�B K� F6�1 gervi� Paga 8 of 17
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