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��14��595
<br /> The Funds sha11 be held in an institution whose depasits are insured by�.federal agency, ins�rumenta.lity,ar
<br /> entity(including Lender, if Lend�r is an institution whose deposi�s are so insur�d}or in any Federai Home
<br /> Loan Bank, Lender shall apply the Funds to pay the Eserow�tems no later than the time specified under
<br /> RESPA. Lender shall not charge Borrower for holding and apply�ng th�Funds,annua�ly anal�zing the
<br /> escrow account,or verifying the Escrow Items,unless Lender pays Borrower interest on the Funds and
<br /> Applicable La�v permits Lender to make such a charg�. Unless an agreement is made in�riting or
<br /> Applicable La�v reyuires interest ta be pai�on the Funds, Lender sha1�not be required to pay�orrotiver any
<br /> interest or earnings on the Funds. Borrower and Lender can agree in vvriting,ho�ever,that inter�st shall be
<br /> paid on the Funds. Lender sha�1 gi�e to Borrower,withaut charge,an annua�accounting Qf the Funds as
<br /> requu-e�by RESPA.
<br /> If there iS a surplus af Funds held in escro�v,as de�ned under RE�PA,Lender shall account to�orrower for
<br /> the e��ess fund�in accordance wi�h RESPA. If there is a shartage of Funds h�ld�n escrow,as defined under
<br /> RESPA, Lender shall notif�Borrower as required by RESPA, and Borrower sha11 pay�o Lender the amaunt
<br /> necessar�to make up the shortage in accordance with RESPA,bu�in no more than I2 monthly payments. If
<br /> there is a deficiency of Funds held in escrow,as defned under RESPA, Lender shal�no�ify Borrower as
<br /> required by RESpA,and Borrower sha11 pay ta Lender�he amount necessary to make up the deficiency in
<br /> accordanc e with RE SPA,but�n no more than 12 month�y payments.
<br /> Upon payment in full of all sums secured by thi�Security�nstrument,Lender shall promptly refunt�to
<br /> Borrower any Funds held by Lender.
<br /> 4. �harges;Liens.Borro�ver sha��pay a�l ta.xes, assessments, charges, fines, and�mpositions attributab�e to
<br /> the Property�vhich can a�tain priority��rer this Security Instrument, �easehald payments ar ground ren�s on
<br /> the property, if any,and Community A�sociation Dues, Fees,and Ass�ssments, rf any, To the extent that
<br /> these items are Escro�Items, BorrQwer shal�pay them in the manner provided in Section 3.
<br /> Borrower sha11 promp�ly discharge any lien which has pri�rity over this Se�urit�Instrument unless
<br /> Borrower: �a}agrees in vvriting ta the payment�f the obl�gation secured by the lien in a manner acceptable
<br /> to Lender,but on�y so long as Borrower is performing such agreement; (b}contests the lien in g��d faith by,
<br /> ar defends agair�st enforcement of the �ien in, legal proceedings�vhich in Lend�r's opinion operate to�re�ent
<br /> the enforcement of the l�en whi1��hos�procee�iings are pending,but only until such proceedings are
<br /> concluded;or(c}secures from the holder of the lien an agre�men�satisfactory to Lender subordinating the
<br /> lien to�his Security Instrument. If Lender determines that any part of the Praperty is sub�ect to a lien whi�h
<br /> can att�in priorit�over this Security Instrument,Len�er may�ive B�rrower a notice identify�ng th�1ien.
<br /> �lVith�n 1�days of the date on which that notice i�gi��n, Borrower shali satisfy the lien or take one or more
<br /> of the ac��ons set farth above in this Sectian 4.
<br /> Lender may require B�rrovver t�pay a on�-time c�arge for a real esta.te tax verification andlor reporting
<br /> service used by L�nder in connection vvith�his Loan.
<br /> 5. Property Insuranee.Borrower sha11 keep the improvem�nts now existing ar hereafter erected on the
<br /> Property insured against loss by fire,ha�ards included wi�hin the term"extended covera�e,"and any other
<br /> ha�ards including,but not limi�ed to, earthquakes and floods, for wh�ch Lender requires insurance. This
<br /> insurance sha11 be maintained in the amounts�including deductib�e le�els}and for�he periods that Lender
<br /> reyuires. �JL�hat Lender requires pursuant to the preceding sentences can chang�during the term�f the Loan,
<br /> The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender`s right to
<br /> disapprove�orrower's choice,vvhich right sha�l not b�exercised unreasonab�y. Lender may re�uire
<br /> . Banower to pay, in cannection with this Loan, either; (a}a ane-time charge for flood zone determinatian,
<br /> certification and�rackYng services;or(�a}a one-��me charge for flood zone determination and cer��ficatio�
<br /> NEBRASKA-Single Family-Fannie MaelFr�e�die Nlac LINIFORM INSTRiJMENT WITH MERS � For�m 3028 1{41
<br /> VMP� VMPfiA�NE]t13�2}.QO
<br /> 1Nolters Kluwer Financial Servi�es Page fi of�7
<br /> q43�Z1Q35��9 4233 514 0617
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