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��14�3�31 T'he Funds sha11'�e held in an institution�vhase depvsi�s are insured by a fe�.era1 agency,instrumentalit�,or entity(includi�g L�nder,�f L�nder is an institution�vhose depasits are so insured��r in any Federal Home Loan Ban�.�.�nder shall apply the Funds ta pay the EsGrow Items no later than t�e time specified under RE�SPA.Lender sha��not charge Borrower for halding and applying the Funds,annually anal�zing the escrow account�or verify�ng the Escraw Items,unless Lender pays Borrotiver�nterest on the Funds and Applicab�e Law permits Lender to make such a charge.LJn�ess an a�reerrient is made in�riting or Applicable Law requires interest to be paid on.the Funds,Lender sha11 not be required ta pa�Borrower any interest or ear�ings on the Funds. Barrower a�d Lend�r can agree�n writin�,howe�er,that�nt�rest sha�l be paid on the Funds. L.ender sha11 give ta Borrawer,without charge,an an.nual acGaunt�ng of the Funds as required by lt�SPA. If there��a surplus of Funds held in escrvw,a�def�ned under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage af Funds held in escro�v,as defined un�er RE�PA,L�nder sha�l notify Barrower as required�ay 1�.ESPA,and Borrower sha11 pay to Lender the amount nec�ssary ta mal�e up th�shortage in accordance with RESPA,but in ao more than 12 manthly payments. If there�s a deficiency of Funds held in escrow,as defined under RESPA�Lender sha�l no��fy B�rra�er as . required b�RESPA,and Bono�er sha1�pay to I�ender the amount n�cessary to mak�up the deficiency in accardance with RE SPA,but in no mvre than 1�month�y payments. Upon payment in ful�of a11�ums secured by th�s Securxty Instrume�t,Lender sha�l promptly refund t� Barr�wer any Funds held by Lender. 4. �harges;�.�ens.Boirower sha�l pay all�ta.x�s, assessments,c�arges, fines, and impositions attribu�tab�e to the Propert�r which can attain priority over this Security Instrument, 1e�sehold payments or grpund tents on the Froperty�if any,and�omrnunity AssoCiation I�u.es,Fees,and Assessments, if any.'�o the extent that these it�ms are Escrot�v It�m�,Borrower shal�pay them in the mann�r provided in Section 3. Borr��ve�shall promptly discharge a�y lien which ha�priarity over this Security�nstrument unless �vrrvwer: (a}agrees in writi�g to the payr�e�t af the obligatio�secured b�the t�en in a manner a�cceg�a.ble ta I�ender,but only so long as B�rrower is performing such agreemen�; (h)contests the lien in good faith by, or d�fends aga��n�t enforcement o�the lien in,le�a�proceedings�hich in Lender's opinion operate to prev�nt the enforcement of the lien whi�e thase praceedi�ngs are pendiag�but only un�il such pr�ceedings are ean�lu�f ed;or��]se�ure��'�m the ho�der�f the lien an agreement sat�sfactory to Lender su�ardinating the lien to th�s Security Ins�trument.If L�nder determines that any parr of the Property is subj ect to a lien vvhich can.attain priarity over this Security Iastrument,Lender may give Borro�er a noti�e identifying the lien. Within 1U days of th�date on tivh�ch�hat notice is given,Borrower sha11 satisfy�he lien or�ake one or more of the act��ns set forth abt��e in this Section 4. Lender may require��rrawer to pay a one-time charge for a real estate tax verification anc�vr rep�rting serv�Ge used by Lender in connection with this Loan. 5. Prvperty I nsu ran�e.B�rrower sha�1 keep the�mprovements no�v existing or herea�er erect�d on#he Prop�rty insur�d against loss by fire�hazards included�vithin the term"extended coverage,"and any other haza,rds iacluding,�but nat limited ta, earthquake�and floods, f�r whiGh Lender r�quues rnsurance. This insurance s�ha�l be mainta.ined in the a�o�nts�in�ludi�.g dedu�tible levels}and for the periods that�en.der requu�s. �hat Lender requires pur�uant to the preceding sentenc�s can change during the term of the Laan. '�h�insura�n�e carrier pr��iding the insuErance sha11 be c�osen by Borrower subject to�.ender's ri�ht to disa.ppro�e Borrower'�choice,which right sha�l not be exercised unreasvnab�y.Lender may require Borraw�r to pa}r,�n cannectian with this Loan, eitl�er: �a)a on�-time charge for flaod zone determination, certi#"icati�n and tracking services;or�b�a one-time charge for flood zone determination and�ertification NEBRASKASir�gle Family-Fannie Mae1Fr{eddfe Mac UNIFQRM INSTRI]AAENT WITH MERS � � � Form 3428 1149 1lMP� VirIiP�A(NE}(13�2}.D� Wolters lCluwe�Financia�5erv�ces Page fi af 17 q033265188�5 �233 �Z� 4617