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201210843
<br /> The Funds sha11 he held in an institution whose d�osits are insured by a federal agency, instrumentality, or
<br /> entiTy(including Lender, if L�der is an institutian whose deposits are so insured) or in auy Federal Home
<br /> Loan Bank. Lender shall apply the Funds to pay the Escrow Items no later than ihe time specified under
<br /> RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the
<br /> escrow account, ar vaifying the Escrow Items, unless I.ender 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 Eimds, i,ender 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 sha11 bc
<br /> paid on the Funds. [,ender shall give to Borrower, without charge, 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 escrow, as defined under
<br /> RESPA, Lender shall aotify Borrower as required by RESPA, and I3orrower shall pay to Lender the amouni
<br /> necessary to make up the shortage in accordance with RESPA, but in no more than 12 monthly payments. If
<br /> thae is a deficiency of Funds held in escrow, as defined under RESPA, Lender sha11 notify Bonower as
<br /> required by RESPA, and k3orrower shall pay to Lender the amount necessary to make up the d�ciency in
<br /> accordance with RESPA, but in no more than 12 monthly payments.
<br /> Upon payment in full of ail sums secured by this Security Instrument, Lender shall promptly refund to
<br /> Borrower any Funds held by Lender.
<br /> 4. Charges; Li�s. Borrower s6all pay all taxes, assessments, charges, fines, and impositions attributable to
<br /> the Property which can attain prioriry over this Security Insh-ument, leasehold payments or ground rents on
<br /> the Property, if any, and Community Association Dues, Fces, and Assessments, if any. To the extent that
<br /> these items aze Fscrow Items, Borrower s6a11 pay them iu tbe mauuer provided in Section 3.
<br /> Borrower shall promptly discharge any lien whicb has priority over this Security Instniment 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 agreement (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 proceedings are pending, but ouly until such proceedings are
<br /> concluded; or(e) secures from the holder oFthe lien an agreement satisfactory to Lender subordinaring the
<br /> lien to tlris Security Instrument. If Lender determines that any part of the Property is subject to a lien which
<br /> can attain priority over tlris Security Instrument, Lender may give Borrower a notice identifying the lien.
<br /> Within 10 days of the date on wlvch that notice is given, Borrower shall sarisfy the lien or take one or more
<br /> of the actions set forth above in tlils Section 4.
<br /> Lender may require Borrower to pay a one-time charge for a real estate ta�c verification and/or reporting
<br /> service used by Lender in connection with this Loan.
<br /> 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the
<br /> Property insured against loss by fire, hazards includai within the term "extended coverage," and any other
<br /> hazards including but not limited to, earthquskes and floods, for which I.ender requires insurance. This
<br /> insurance shall be maintained in the amounts(including deductible levels)and for the periods tliat Lender
<br /> requires. What L,ender requires pursuant to the preceding sentences can change during the term of the L.oan.
<br /> The insurance carrier providing the insurance shall be chosen by Borrower snbject to Lender's right to
<br /> disapprove Borrower's choice, wlilch right shall not be exercised unreasonably. Lender may require
<br /> Borrower to pay, in connection with this I,oan, either: (a) a cme-time chazge for flood wne determination,
<br /> certification and tracking services; or(b)a one-time chazge for flood zone dchermination and certification
<br /> 23002]8954 D VBANE
<br /> NEBHASKA-Slnple Femily-Fannie MxlFreAdie Mac UNIFOHM INSTPUMENT WITH MEFS Form 3028 1/01
<br /> v�P fld VMPBA(NE)I�105)
<br /> Wokera Kluwer Finnciel Sarvices Pege B W 1]
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