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<br /> , . ��14�3511
<br /> The Funds shall be held in an insti�ution whose deposits are insured by a federa.l agen�y, instrumentality, or
<br /> entity�including Lender, if Lender is an institution whase deposits are so insured}or�n any Federal Home
<br /> Loan Bank. Lender shall apply the Funds to pay the Escrow I�ems no later than the time specified under
<br /> RESPA. Lender sha11 not charge Borrower for ho�ding and applyin�the Funds, annually analyzing the
<br /> escro�account, or�erifying�he Escrow Items,uraless Len�er pays Borrower interest on�he Funds and
<br /> Applicab�e Law pernuts Lender ta make such a cha.rge. Unless an agreement is made in�ri�ing or
<br /> Applicable La�v requ�res interest tv be paid on the Funds, Lender sha.11 not be required to pay Borrower any
<br /> interest or earnings on the Funds. Borrower and Lender can agree �n writing, hawe�er, that interest shall be
<br /> paid on the Funds. Lender sha11 gi�e to Barrower, without�harge, an annual account�ng of the Funds as
<br /> required by RE SPA.
<br /> If there is a surp�us of Fun�1s held�n escrow, as defined under RESPA, Lender sha.11 ac�ount to Bflrrower for
<br /> the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under
<br /> RESPA,Lender sha11 notify Borrower as required by RESPA, and Borrawer sha.11 pay�o Lender the amount
<br /> necessary to ma.ke up the shortage in ac�ordance w�th RESPA,but in na m�re than 12 monthly payments. If
<br /> ther{e is a deficiency of Funds held in escrow, as def�ined under RESPA, Lend�r sha.��notify Borrovv�r as
<br /> requ�red by RESPA, an�Borrower shall pay to Lender the amount nec�ssa�y to make up the deficiency in
<br /> accord.a.nce with RESPA,but in no more than 12 mvnth�y payments.
<br /> Upvn payment in fu�l af all sums secured by th.is Security Instrument, Lender sha11 pmmptly refund to
<br /> Borrower any Funds he�d by Lender.
<br /> 4, �harges;Liens.Borrow�r sha11 pay al�taxes, assessments, chaxges, fines, and�mpositions attributable to
<br /> the Property which can attain priority o�er this Security Instrument, leasehald�ayments or groun�l rents on
<br /> the Property, if any,and Cammunity Assaciation Dues, Fees,and Assessments, if any. To the extent that
<br /> these items are Escrow Items,Borrower sha��pay them in the manner provxded in Sec�i�n 3.
<br /> Borrower shall promptly discharge any lien which has priority o�er this Security rnstrument unless
<br /> Barrflwer: (a}agrees in writing to the payrnent of the obligati�n secured by the lien in a manner accepta��e
<br /> to Len�ler,but only so long as Borrower is perf�rming such agreement; (b}cantests the l�en in goo�faxth by,
<br /> ar defends agains�enfor�ement of the lien in, �ega1 prviceedings wh�ch in Lender's opin�ion operate to pre�ent
<br /> the enforcement of the lien whaile those proceedings are penc�ing,but only until such proceedings are
<br /> concluded; vr�c} secures from the holder of the lien an agreemen�satisfactory�a Lender subordinat�ng the
<br /> lien to this Security Instrument. If Lender determines that any part of the Propetty is subject ta a l�en which
<br /> can attain priarity o�er this Securi�y �nstrument, Lender may give Borrower a n�tice identifying�he ��en.
<br /> Within 14 days vf the date on�hich�hat notice �s gi�en,Borrower shal�satisfy the�ien or take one ar more
<br /> af the ac�ivns set forth abo�e in this Sec�ian 4.
<br /> Lender may require Borrower to pay a one-time charge for a real estate tax verifrcation andlor reparting
<br /> se�v�ce used by Lender in c�nne�tian with this Loan.
<br /> �. Property�nsurance.Borrower sha11 keep�he�mpro�ements nflw existing vr hereafter erecte�l on the
<br /> Property insured against loss by fire, h�azards included within the term "extend�d coverage," and any o�her
<br /> ha.zards including,but no�limited to, earthquakes and floods,far which Lender requires insurance. This
<br /> insurance shal�be main�a�n�d in the amounts(�ncluding deductible levels}and for the periads that Lender
<br /> requires. �Vhat Lender requires pursuant ta the preceding sentences can change during the term of the L�an.
<br /> The insura.nce carrier pro�ic�ing the insurance shall be chosen by Bvrrower subject to Lender's righ��o
<br /> disapprove Barrower's choice, wlu�h right shall nvt be exercised unreasonably. Lencler may require
<br /> B�rrower to pay, in conn�ctivn with this Loan, eit�er: (a}a one-time charge for floo�z�ne deternunation,
<br /> certification and tracking services; vr�b} a one-time charge for flood zone deterna.i.nation and certification
<br /> 10BANE 400628968588 May 29,2014 09:1 fiam
<br /> NEBRASKA-Single Family-Fannie MaelFreddie ltllac UNiF�RM lNSTRUMENT WITH MERS Form 3028 1IQ1
<br /> VMP� VMP6A(NE](13�2}.QO
<br /> Wolters Kluwer Fir�ancial Services Page 6 of 17
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