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��14��33�
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<br /> The Funds shall be held in an institution whvse depos�ts are�nsure�by a federal agency, ins�rumentality,or
<br /> entity(including Lender, i�Lender is an institution whose depasits are so�nsured}�r in any Federal Home
<br /> Loan Bank.Lender sha11 apply the Funds to pay th�Escrow Items no later th�n the tirne s�aecified under
<br /> RE�PA. Lender sha11 not charge Borrower for ho�ding and applying the Funds,annually anal�rzing the
<br /> es�rovv account,or verifyua��th�Escro�v Items,unless Lender pa�s Borro�ver interest on the Funds and
<br /> Applicable Lav�permits Lender to make such a charge,Unless an agreement is made in writin�or
<br /> Applicable L�.w requues interest to be paid oa the Funds,Lender sha11 not b�requ�red to pay Borrower an�
<br /> in��rest or�arnings on th�Funds. Borrower and Lend�r ca�n agree in writing,hawever,that i�t�rest sha11 be
<br /> paid on the Funds. Len�er sha1�give tv Barrower,without charge,an annual accounting of the Funds as
<br /> required by RESPA.
<br /> If there�s a surp�us�f Funds held in�scrow,as define�.under RES�A,Lender sha�l account ta�or�r�wer far
<br /> the excess funds in accordance with RESPA, If there is a shortage of Funds held in escrow,as def�n�d u�der
<br /> RESPA,Lender s�all notify Borr��ver as requ�r�d by I�ESPA,and Borrower shal�pay to Lend�r the amvunt
<br /> nece�sary to ma�e up the shortage in accordance�ith RESPA,but in na more than 1�m�nth�y payrnents. If
<br /> there�s a deficiency of Funds held in escro�v,as defined under RESPA,Lender shall natify Borrawer as
<br /> requ�.red by RESPA,and Borrower sha�l pay to Lender the amaunt neces�a,�y to make up the deficiency in
<br /> accordance�vxth RESPA,but in no more than 12 man�y payments.
<br /> �Jpon payment in fu��of a�l sums s�cured by this Secur�ty Instrument�Lender sha11 prompt�y refund to
<br /> B�na�er any Funds held by Lend�r.
<br /> 4. Charges;Liens.Borravver sha11 pay a�l taxes, asse�sments,charges, fines, an�.�mpositians attributable ta
<br /> the Progerty which can at�ain priority over this Security Instrument, leasehflld payments or graund rents on
<br /> �he Property, �f any,and Community Association Uues,Fees,and Assessments, if any. To the extent that
<br /> these items a.re Escro�v Items,B�rrow�r sha11 pay them�n the mann�r pr€�vi�.ed in Section 3.
<br /> Borrower�h�l�promptly discha,rge arxy lien which has priority over this Securit�Instrument unless
<br /> Borrower: (a}agrees in wr��ing to the pa�rnent of the obligation secured by the�ien in a manner a�ce�table
<br /> to Lender�but only sa l�ng as�orro�ver is perfvrming such agreement;(b}contests the lien in.good faith by,
<br /> or def�nds against enfarcemen��f the li�n i.n,�ega�pro�eedings�vhich in Lender'�opinion�perate to prevent
<br /> the enforcement of th�lien while those groceed�ngs are pending,but onl�until such proceedings are
<br /> conc�uded;or(c}secures frorn the hold�r of the lien an agreement satisfactory to Lender subordinatin�the
<br /> �ien to this S��urity Instrument. If Len.der determines that any par�of the Praperty is subject to a lien�hich
<br /> can attain prior�ty over this Securi�Instrument,Lend�r may give B�rrower a notice identifying the�ien,
<br /> Within ��days of the date on vvhich that notice is given.,Banower sha11 satisfy the��en or take one or more
<br /> of the act�ons set forth a���e�n this S�Gtion 4.
<br /> Lender may requue Barro�ver to pay a one-time charge for a real estate tax verification andlor reportin�
<br /> s�r�ice used by Lender in co�.nection�vith this Loan,
<br /> 5. Prvp�rty lnsurance.Borro�er sha�l keep the improvements no�r�xist�ng or h�rea�er er�cted on the
<br /> Property in.sured against loss by fue,hazards inc�uded within the term"extended coverag�,"and any o�her
<br /> hazards includ�ng,but not li.mited ta,earthqual�es and fl��ds, for which Lender requires insuran�e.This
<br /> insurance shail be maintained in the amoun�s�including deductible le�els�and for the periads that Lender
<br /> require�, What Lender requir�s pursuant t��he preceding senten��s can change during the term of the Loan.
<br /> The insuranc�ca.r�'ier�roviding the insurance shall be chosen by Bano�ver subj ect to Lender's right t�
<br /> disappr�ve Bonawer's chaice,which right sha11 n�t be exerctsed unreasanably, Lender may require
<br /> Borrower to pay,in can.n��tion�vith this L�an.,�ither: (a}a one-time charge far flood zvne deternunation,
<br /> c�rtifi�ation and tracl�ing serw�ce�;or(b�a�ne-time charge for flood zane determination and cert�f ca�ion
<br /> NEBRASKA-Sir� !e Famil -Fanr�ie NlaelF�ddie Mac 1�NIF�RM INSTRUMENT W�TH MERS •► �� Form 3026 9101
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<br /> Wolters iClwver Financial Services Page�af 17
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