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<br /> The Funds shatl be h�lc�in an i.n.stitution�vhose d�posits ar�u�.sur��i by a federa�agency, �nstrumenta.�ity,or
<br /> ent�ty(including Lend�r, �f L�nd�r is an ir�stitutiQn whos��epvsits are so ins�red)ar in any Federal Home
<br /> Loan Bank.Lender shal�apply the F�nd�to pay the Escro�v It�ems n�later than th�ti.me speciFed under
<br /> RESPA.L�nder shatl n�t charg�Borro�er for ho�ding and applying th�Funds,annually analyzing the
<br /> �scrow ac�count,ar v�rif�ing t�e Escr��v Items,�nless i.en�er pays Borr�wer interest on the Funds ant�
<br /> Applicable Law p�rmits Lender t�make�uch a�h�rg�.�Jn���s an agre�ment zs made in�vriting ar
<br /> Applicab�e Law requires int�r�st t�be pai�1 on the Funds,Lender sha��n�t be requi.r�d to pay Borrower any
<br /> inter��t vr earn�i.ngs on the Funds. Borrow�r and Lender can agre��%n vvriti.ng,h�w�v�r,that interest shall be
<br /> paid on the Funds.Lende�r shall giv�to Borrc��ver,without�harg�,an anuual accounting of the Funds as
<br /> r�quired by RE�PA.
<br /> If there is a surplus of Funds held in�scro�v,as d�fined�nder RE�P�,Lend�r shal�accaunt�v Borr�v��r for
<br /> th��xc�ss f�nds in accardance with�E�PA.If th�re is a�h�r�a.ge of Funds he�d in escro�v,a�defined un�ler
<br /> RESFA,L�nd�r shall notify Borr��r�r as required by l�ESPA,and�rr�vver sha�l pay to Lender the amo�unt
<br /> necessary to make up the shartage i.nn�c�cordance�vith RES�A.,b�t�.n n�mor��han ��month�y payments. If
<br /> th�re is a deficiency of Funds held i.n�scrow,a���fi.ned und�r RESP�,Lender sha11 notify Borrower as
<br /> r�quired by RE�PA,and Barra�rer shall pay t�L�nder the amount ne��ssaty to ma,ke up the def ciency in
<br /> accordanc e with RE S PA,but�n no mor�than �2 m�nthly pa�ment�.
<br /> Upon payment in f�11 of all sums secu.�ed by this Sec�ri�r Instrum�nt,Lend�r shall promptly refund ta
<br /> Borro�v�r any Funds held by Lender.
<br /> 4. �haryes;Liens.Bonower shal�pay all ta��s, assessments,charges, fin�s, and impositions at�,ributabl�ta
<br /> th�Property which can attai.n priority o�er this S�curity Instrument,leaseh�ld payment�ar ground rents on
<br /> the Properry,if any,and Comm�nit�Association D�es,F�es,and A�s�ssments, if any. Ta th��xtent that
<br /> these xtems ar�Escr�w Items,B�rro�er shali pay them in the mann�r prov�ded in Section 3.
<br /> Borrower shal�promptly dischar$e any�ien�hich has priority ov�r this�ecurit�Instrument un.�ess
<br /> Borro�v�r: (a�a�rees in writing t�the payment�f the obligation s�cured by th��i�n in a manner accepta.ble
<br /> to Lender,but only s��ong as B�rrower is perf�rming such agre�ment;�b}contests the I�en in good faith by,
<br /> or d�fends against enf�rcem�nt�f the lien in,�egal prdc�ed�ngs�hich in L�nder's opinion opera�e to pr��ent
<br /> the enforcement of the li�n whi�e those proceedings are pending,b�t onl�r unti�such prQc�edi�gs are
<br /> concluded;or(c]secures from the holder�f th�1i�n an agreement satisfact�ry t�Len�er subordinating the
<br /> lien to this Secur�ty Instrum�nt. If Lend�r d�termines that any part af the Pr4p�rty is subject to a liea�vhich
<br /> can atta.��ri�r�ty v�er this Sec�i�Instrurx�ent,L��d��r�a�gi�e Bflrro��r a notice iden��fying#.h�lien.
<br /> �Vithin 1 D days of the tlate on which that n�tice is given,Borrower shali satisfy the lien or ta,ke�ne or more
<br /> of the act�ons set forth ab��re in this�ection 4.
<br /> Lender may req��re B�rrovver to pay a one-tim�charge for a rea��state tax�erification andlor r�port�ng
<br /> setvice us�d by Lender in conn�cti�n�vi�h this Loan.
<br /> 5. Property�nsu rance.Borro�er shall keep the impr4vements now�xisting�r hereaf�er erected on the
<br /> Prop�rty insured against�oss by fire,hazards included�ithin the term"ext�nded co�erage,"and any other
<br /> ha�ards inc�uding,but not I�mited to,�arth�uakes and flovds, for whi+ch Lender requires insurance. This
<br /> insuranc�sha�l be maintained i�n the amount�(including d�d�ctib�e l�v��s)and for the periods that Lender
<br /> requires.�hat Lender re�uires pursuant ta the prec�ding�enten�es can chang�during the term of the Laan,
<br /> �The insurance�arrier providing the in.suran��sha11 be�h�sen by F�orr�w�r subjec�to Lender's right��
<br /> disappro�re BonQ��r's choic�,�vhi�ch right shall n�t be e�ercised unr�as�nably.Lender may r�q�ire
<br /> Borro�ver to pay,�n conn�ction with this Loan,either: (a}a one-time charge for flood zone determination.,
<br /> c�rtificat�on and tracking�ervices;or(b}a one-time charge fQr flvod zQne det.�rmiaation and c�rt�fcatian
<br /> NEBR�►SKA�ingle Fami�y-Fannie MaelFr�eddie M�c UNIFORM 1NSTRUME[dT WiTH MERS Farm 3�28 9141
<br /> VMP� VMPfA�NE}�13�2}.40
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