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<br /> The Funds sha�l be held in an instituti�n whose deposits are in�ured by a federal agency, instrumentality,or
<br /> entity�in�luding Lender,if Len�ier is an institution whos�deposits are sa insured}or in any Federal Home
<br /> L.�an BaYak. Lender sha�l apply the Funds�o pay the Escrow Items no �ater�han�he time specified under
<br /> RESPA. Lender shall not charge Borro�ver for holding and applying the Funds,annual�y analyzing the
<br /> escrotiv account,or verifying the Escrow Item.s,unless Lender pays Borrower xnterest on the Fund�and
<br /> Applicable Law permits Lender to make such a charge.Un1e�s an agreement xs made in writing or
<br /> Applicabl�La�v requires interest to be paid an the Funds,Lender sha11 nat be requi.red to pay Borraw�r any
<br /> interest or eaxnings on the Funds. Borrower and Lender can agree in writing,howe�er,that interest sha11 be
<br /> paid on�he Funds.Lender shall give to Barrower,without charge,an annual account�ng 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�xcess funds in accordance wi�h RESPA. �f there is a shortage af Funds held in escro�v,as defned under
<br /> RESPA,L�nder shall notify Borrovver as required by RESPA,and Borr�wer shall pay�o Lender the amount
<br /> necessary to n�ake up�he shortage in ac��rdance with RESPA,but ia no more than ��month�y pa�m�nts. If
<br /> there is a deficiency of Funds held in es�ro�v,as defined under R.�SPA,Lender shal�notify Barro�er as
<br /> re�uired by RESPA,and Bonower shall pay to Lender the amount�ecessary to make up th�deficiency in
<br /> accordance with RE�PA,but in no more than 1�monthly payments.
<br /> Upon payment in fu11 of all sums secured by this S�cur�ty�nstrumen.t,Lender sha11 promptly refund to
<br /> Borra�er an�Funds held by Lender,
<br /> 4, �har�es;L��ns,�orrovver sha���ay a11�axes, as�esstnents,charg�s, �"ines, and impositia�s�ttributa�bie to
<br /> the Prope�rty which can attain priority aver this Security Instrument, leasehold payments or ground rents on
<br /> the Property, rf any, and C�mmunity Association Dues,Fees,and Assessments, if any. To the extent that
<br /> these items are Escro�vv Items, Barrower sha11 pay�hem in the mann�r provided in Seetion 3.
<br /> Borrower sha11 promptly dischar�e any lien which has prior�ty over this Security Instrument unless
<br /> �orro�er: (a}agrees in writing to�he payment of the abligation secured by�he �ien in a manner acce�ta,b�e
<br /> to Lender,but anly�o Iong as Borraw�r is p�rforming such agreement; (b)co�tests the�ien in.good faith by,
<br /> or defends against enf�rcement of the lien in, 1ega1 proceedings which in Lender's opinion operate�o prevent
<br /> the enforcement of�he lien whi1�those proceedings are pending,but only until such proceedings are
<br /> canclu�led;or�c}secures from the holder of the lien an agreemen�satisfactory to L�nder subordinatin�the
<br /> lien to this Securi�y Instrument. If Lender determines that any part of the 1'raperty is subject to a lien which
<br /> can attain priar�ty over th�s Security Instr°ument,Lender may give Borrower a notice identifying the lien.
<br /> Within 1 Q days of the date on which�hat notice is gi�en,Borrower shal�sat�sf}�the lien or take on�or more
<br /> of the actxons set forth above in this Section 4.
<br /> Lender may require Barro�ver�o pay a�ne-time charge for a real estate tax verificatian andlor repar�ing
<br /> ser�ice used by Lender in connection with this Loan,
<br /> 5. Property lnsurance.Borrower sha11 keep the impravements now existing or hereafter erected on the
<br /> Prop�rty�nsured against�oss by fue,hazards include�w�thin the term"extended coverage,"and any other
<br /> hazards including��ut not limited to,earthquakes and floods, for which Lender requires insurance. This
<br /> insurance sha��be maintained in the amoun�s(including deductible�evels}and far the peri�ds�hat Lender
<br /> requues. �Vhat Lender requires pursuant to the preceding se�tences can change durxng the�erm of the Loan.
<br /> The insuranc�carri�r�roviding the insuran.ce shall b�chvs�n by Borrower subj�ct to�ender's r�g��to
<br /> d�sappro�e Bartower's choice,which right shal�n�t be exercised unreasonably. Lender may re�uire
<br /> Borrower to pay, �n�onnection with this Loan, either; (a)a one-tim�charge for flood zone determination,
<br /> certificatian and tracking services;ar(b}a one-time charge for fload zone determination and certification
<br /> IVEBRASKA•Si�gle Fami�y-Fannie MaelFn�die M�c UNIFaRM INSTRLIMENT W1TH MERS Fam�t 3028 1141
<br /> VMP� VNlPBA{NE](1342].DO
<br /> Walters Kiuwer Financial Services Page B of 17
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