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<br /> The Funds shall be held in an institution whose deposits aze inswed by a federal agency,inshumentality, or
<br /> entity(i¢cluding Lender, if Lender is an institution whose deposits aze so insured)or in any Federal Home
<br /> Loau Bank. I,ender shall apply the Funds to pay the Escrow Items¢o later than the time specified under
<br /> RESPA. Lender shall not chazge Borrower for holding and applying the Funds,anuually analyzing the
<br /> escrow account,or verifying the Escrow Items, unless I,ender pays Borrower 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 shall not be required to pay Borrower any
<br /> interest or earnings on the Funds. Borrower and Lender can agree in writing,however,that interest shall be
<br /> paid on the Funds. Lender shall give to Borrower,without charge,an annual aceounting of the Funds as
<br /> required by RESPA.
<br /> If there is a swplus 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 escrow,as defined under
<br /> RESPA, Lender shall notify Borrower as requued 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 uoder RESPA, Lender shall notify Borrower as
<br /> required by RESPA,and Borrower shall pay to Lender t6e amount necessary to make up the deficiency in
<br /> accordance with RESPA,but io no more than 12 monthly payments.
<br /> Upon payment in full of all sums secured by this Secttrity Instrument,Lender shall promptly refuud to
<br /> Borrower any Funds held by Lender.
<br /> 4. Chal'ges;Liens.Borrower shall pay all ta�ces, assessments, charges, fines, and impositions attributable to
<br /> the Property which can attain priority over this Security Instrument, leasehold payments or gound reuts on
<br /> the Property, if auy, and Community Association Dues,Fees,and Assessments, if any. To the extent that
<br /> these items aze Escrow Items, Borrower shall pay them in the manner provided in Section 3.
<br /> Bonower shall promptly discharge any lien which has priority over this Security Instrument unless
<br /> Bonower: (a)agees in tvriting to the payment of the obligation secured by the lien in a manner acceptable
<br /> to Lender,but only so long as Bonower is performing such ageement; (b)contests the lien in good faith by,
<br /> or defends against enforcement of the lien in, legal proceedings which in I,ender's opinion operate to prevent
<br /> the enforcement of the lien while those proceedings are pending,but only until such proceedings aze
<br /> concluded; or(c)secwes from t6e holder of the lien an agreement satisfactory to Lender subordinating t6e
<br /> lien to this Security Instrument. If Le¢der determines that any pad of the Property is subject to a lien which
<br /> can attain prioriry over this Securiry Instrument,Lender may give Borrower a notice identifying the Iien.
<br /> Within ]0 days of the date on which that notice is givea, Borrower shall satisfy the lien or take one or more
<br /> of the actions set forth above in this Section 4.
<br /> Lender may require Bonower to pay a one-time charge for a real estate tax vetification and/or reporting
<br /> service used by Lender in connection with this Loan.
<br /> 5. Propertylnsurance.Borrower shall keep the improvements now existing or hereafter erected on the
<br /> Properry inswed against loss by fire, hazards included within the term"extended coverage,"and any other
<br /> hazards imcluding,but not limited to, earthquakes and floods, for which Lender requires insurance. This
<br /> insnrance shall be maintained in the amounts(including deductible levels)and for the periods that Lender
<br /> requires. What Lender requires pwsuant to the preceding sentences can change during the term of the Loan.
<br /> The insurance carrier providing the inswance shall be chosen by Borrower subject to Leuder's right to
<br /> disapprove Bonower's choice,which right shall not be exercised unreasonably. Lender may require
<br /> Borrower to pay, in connection with this Loan, either: (a)a one-time chazge for flood zone determination,
<br /> certificatio¢and hacking services;or(b)a one-time charge for flood zone determination and certification
<br /> NEBRASKASirgle Family-Fannie Mae/FredEie Mec UNIFORM INSTRUMENT WITH MERS Form 3028 i101
<br /> VMP� VMP6P,(NE)p 105).00
<br /> Wdters Kluwer Financial5ervlces page 6 d 17
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