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��14�1557
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<br /> The Funds shal� be held in an instituti�on whose deposits are in5ured by a federal ag�ncy, instxument.ality, or
<br /> entity �inc�uding Lender, if Lender is an inst�tu�ion w�ase d�pUsi�s are so in�ured} or. in any Federa� Home
<br /> L�an Bank. Lender shall apply t�ie Funds to pay the Escro� Items no la�er than the time specif�ed under
<br /> RESPA. L�nder shai� not charge Borrov�er for hv�.ding and applying �he Funds, annually analyzing the
<br /> escrow account, ar verifying the Escraw Items, unless Lender pays Barr�wer interesr on the Funds and
<br /> Applicab�e Law permi�s Lender to make such a charge. Unless an agreement is made in writing ar
<br /> Applicable Law requires xnterest tn be p�id on the Funds, Lender sha1� not be re�uired tc�pay Borrower an�
<br /> interest or earnings on the Funds. Borrower and Lender can agr�e in writing, how�ver, tha� interest sha1� be
<br /> �aa�d on the Funds. Lender shall gi�e t� Borra�v�r, withflu� charge, an annuai accounti.ng of �he Funds as
<br /> requ�red by RESPA.
<br /> If there is a surplus af Funds held in es�rov�r, as defined under RESI'A, Lender sha�I a�count ta Borrower for
<br /> the excess funds in accordance wi�h RESPA. If there is a shor�age of Funds held�n es�r�w, as def�ned under
<br /> RESFA, Lender sha�l notify Borrower as required by RESPA, and Borrower shall pay to Lender the arnount
<br /> necessary to make up the shortage in accordance with RESPA, but in no mare than 12 monthly payments. If
<br /> there is a �efciency of Funds hel�i in escrow, as def�ned under RESPA, Lender sha�I no�ify Borrawer as
<br /> required by RESPA, and Borro►�er sha11 pay �o Lender the amount neeessary tc� make up the deficiency in
<br /> accordance vvith RESPA, but in no mare than 12 m�nth�y payment�.
<br /> Up�n payment in full af a�l sums secured by this Se�urity Instrument, Lender shall promptly refund �a
<br /> Borrower any Funds he�d by Lender.
<br /> 4. Charges; L�enS. Borrov�er shal� pay all tax�s, assessmen�s, charges, fines, and impas�tions attr�butable to
<br /> the Property vvhich can attain priflrity a�er �his Security Instrurnent, leasehoid payme�ts �r ground rents on
<br /> the Froper�y, if any, and �ommun�ty A�sociation Dues, Fees, and Assessments, if any. To the e��ent that
<br /> these�tems are Es�row Items, Barrow�r shall pay them in�h�manner pro�ided in Section 3.
<br /> Borrower shall promptly clischarge any �ien which has prior�ty a�er �his Security Instrument unless
<br /> Borrower: (a} agrees�n writing �o the payment of�he abligation secured by the �ien in a manner acceptab�e
<br /> to Lender, but onl� sa lflng as Borrower is performing such agreernen�; (b}contests the lien in good faith by,
<br /> or defends against enforcement�f the�ien in, lega�proc�edings vWhich in Lender`s opinion Qpera�e to pre�ent
<br /> the enforcement of the lien while thQse proceedings are pending, but flnly un�til such proceedings are
<br /> �oncluded; �r (c} �ecures from the halder af the iien an agreement satisfactory to Lender subord�na�ing the
<br /> lien to this Securit�r Instrument. If Le�der determines that any part of the Froperty is subject to a li�n which
<br /> can a�tain priarity o�er this Security Instrument, Lend�r may give Borr��er a notice ident�fying the �ien.
<br /> Within 1�days of the date on which�hat notic� is gi�en, Barrower shall satisfy the lien or �ake on�ar mor�
<br /> of the actians set�vr�h abv�e in�his Sect�on 4.
<br /> Lender may require Borrower �o pay a ane-time �har�e f��r a rea� estate tax �erif�cataon andlar reporting
<br /> service used by Lender�n cannection with this Loan,
<br /> 5. Pr�perty insurance. Borro�rer sha�l keep the irnpravements now EX1St1�1� or hereafter erected on the
<br /> Froperty insur�d against loss by fire, hazards included within the t�rrn "extended co�erage," and any othe�r
<br /> hazards ineluding, but n�t limited to, earthquakes and floQds, for which Lender requires insurance. Th�s
<br /> insuran�e sha11 be maintained in �he amaunts (including dedu�tible le�els} and far the periods that Lender
<br /> requires. What Lender requires pursuant to �he preceding s�ntences�an change during the term of the Laan.
<br /> The �nsuranc� carrier pr��iding th� xnsuran�e shal� be chosen by Borrawer subject to Lender'� right to
<br /> disappra�e Borrower's chaice, which right shall not be ex�rcised unreasanab�y. Lend�r may requrre
<br /> Barrower ta pay, in cannection v�rith this Laan, either: �a} a one-time charge for flood zone determination,
<br /> certification and tracking services; or �b} a ane--time charge far flood zone determination and certi��at�fln
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<br /> NEBRASKA-Single Family-Fannie MaelFreddie Mac LINkFORM INSTF�UMENT WITH MERS Form 3D28 11Qi
<br /> VMP p VMPfiA�NEy{13D�).Da
<br /> Walters Kluwer FnancEaf Se+vices
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