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<br /> The Funds sha��be he�d in an institution whose depasits are insured by a fed�ra�agen�y,�nstrumentalit�,or
<br /> �ntit��inc��ding L�n�ier,if Lend�er is an instituti�n v�hvse deposi�s are so insured}ar in any Federal Ha�ne
<br /> Loan Bar�.k. Lender sha1�apply the Funds t�pay the Escrow Items no later than the time specified under
<br /> RESPA. Lender sha11 not�harge Barrower for holding and app�ying the Fund�,an.nually ana�y��ng the
<br /> escrow accaunt,or verifying the Escro�items,unl�ss�.ender pays Barrower interest on the Fun�s anc�
<br /> Applicable Lavv permits Lender to ma�e such a charge.Ualess an agreement is made in writ��g or
<br /> Appl�cable Law requ�res interest to�e paid on the Funds,Lender sha11 not be required to�ay Borrower any
<br /> �nterest or earn�ng�an the Funds.B�rrower and Lender can agree in writing,ho�ve�er,that interest shall be
<br /> paid on the FundS. Lender�ha11 give�o Borrower,without charge,an annual accounting of th�Funds as
<br /> required by I�E SFA.
<br /> If there is a surplus of Fur�ds he�d�i.n escrv�v,as defin�d under RESPA,Lend�r shall accounfi to Borrower for
<br /> the exc�ss funds in accordance with RESPA. If there is a sh�rtage of Funds hetd in es�row,as d�fined under
<br /> RESPA,i�eader shall notify Borr�wer as requir�d�y R�SFA,and Borrower shall pay to Lender the amouat
<br /> necessaar�to make up the shortag�in accordance�u�th RESPA,but in no more than �2 mpnthly payments. If
<br /> there is a defici�ncy of Funds he�d in escraw,a�defined under RESPA,Lender shal�notif�r B+orrower as
<br /> r�quired by RESPA,and Borro�ver�hall pay�Q Lender the amount necessary to make up th�def ciency in
<br /> accardance with RESPA,but in no more t�.an 12 manthl�payments.
<br /> I�pon payment�n full o�all sums secu�red by this Se��ity�ns�ument,Lende�'sha�I promptly refund ta
<br /> Borrvwer any Fund�held by Lender.
<br /> 4. Charge�;Liens.Borrower shall pay all taxes, assessments, char�es, f�nes, �nd impositions attributable to
<br /> the Property which can attain pr�.ority o�er th�s Security Instrument,Ieasehold payments or g�round rents�n
<br /> the Property, if any,and�ommunity Association Dues,Fees,and Ass�ssrnents, if any. To the extent that
<br /> these�tems are Escraw Items,Borrvwer sha�l pay t��m�n the manner pr�vided in�e�ti�n 3.
<br /> Borrower sha11 pramptly dis�harge any lien which has priority�ver this Security Instrument unle�s
<br /> �orrower; �a}agrees in writing to the payment af the obligation secured by t�ie lien in a man.n.er acc�ptable
<br /> to Lender,but on�y so lang as Barro�er�s perfarming such agreement; (b)contests the lien�n gaod faith by,
<br /> or def�nds against enf�rcement�f th�lien in, 1ega1 proceedin.gs which in Lender's opinion operate to�re�ent
<br /> the enforcement of the lien while those proceedings are pendings but only until such proceedings are
<br /> concluded;or(c)secures�rom the h�lder af th���en an ag,reement satisfactory to Lender subordinating�he
<br /> Iien to th�s Security�nstrument, if Lender determines that any p�of the Property is subj ect ta a l�en v�hich
<br /> �an atta�n prior�ty�ver th�s Secur�ity I�st�ment,Lender mlay give Borrower a�otice identifyin.g the�ien.
<br /> �V�thin 1�da�rs of�he date on�vhich that notice is given,Barrower sha11 satxsfy th�lien or take one or more
<br /> of the actions set f�rth ab�ve in this Section 4.
<br /> �end�r may requir�Borrawer to pay a one-tim�charge for a real esta�e tax verificat�on.andlor reporting
<br /> sea�vice used by Lender in can.nection with this Loan.
<br /> 5. Property Insurance.Borro�ver s�all keep th�impro�ements now ea�isting ar hereafter erect��.on.t�e
<br /> Prop�rty insured against loss by fire,hazards incluc�ed�vi�hin the term"extended coverage,"ar�d any�ther
<br /> haza,rds including,but not limited to,eaarthquakes and floods, f�r tivhi�h Lender requues insurance. This
<br /> �nsurance sha��be ma�ntained in the amounts�inc�uding deductib�e 1eve�s)a�d for the periods that Lender
<br /> requires.�hat L�nder re�uires pursuant t�the preceding s��tences can change during the term of th�Laan.
<br /> The in�wrance ca�rier pra�iding the insurance shall be chosen by BQnawer subject to Lender"s right to
<br /> disapprove Borrower's cho�ce,wh�ch right sha11 not be exercised unreasonably. Lender may require
<br /> Borrower to pay, in connection with this Loan,either: (a)a one-time charge for flaod zvne determination,
<br /> cer�ificativn.and track�ng services=or(b}a�ne-time charge for flood�one determination and certificatiQn
<br /> NEBRASKA-S�r� fe Famil -Fan�ie MaelFr�eddie Mac UNIF�RM iNSTRIJMENT WITH MERS ��j Form 3428 9f49
<br /> VMP� � y VMPBA�NE}[130�).00
<br /> Wotte�^s K1uw�r Fina�ncial Sent�Ces P�ge B of i 7
<br /> q4333 898537 0233 278 0 17
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