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� ��14���95
<br /> sha1l nat charge Borrower far holding and app�ying the Funds, annually analyzing the escraw account, �r verifying
<br /> the Escrow I�ems, unless Lender pays Borrawer interest an the Funds an�Appli�able Law permits Lender to make
<br /> such a charge. Unless an agreex�ent is made in wrzting or App�icable La�requires interest to be paid on the Funds,
<br /> L�nder shall not be required to pay Barrower any interes�or earnings on�he Funds. Borrawer and Lender can agree
<br /> in�riting, hovve�er, �hat interest shall be paid an�he F unds. Lender shall g�ve to Borrower, �vith�ut �harge, an
<br /> annual accounting of the Funds as required by RESPA.
<br /> If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrovver for
<br /> the excess funds in a�cordance wi�h RESFA. �f there is a sh�rtage of Funds held i.n escrow,a�defined under RESPA,
<br /> L�nder shall no��fy Borrawer as required by RESPA, and Borrou�er shall pay�o Lender th�amaunt necessary to make
<br /> up the shortage in accordance wvith RE SPA, but in no mare�han 12 manth�y payments. �f there is a de�ciency of
<br /> Funds held in escrow, as def ned under RESPA, Lender shall notify�3orrnwer as required by RESPA, and B�rrou�er
<br /> shall pay to Lender the am�unt necessary t�make up the deficiency in a�cordance w�th RESPA, but in no more than
<br /> 12 manthly payments.
<br /> Up�n payment in full�f all sums secured by�his Security Instrumen�, Lender sha�I prompt�y refund�o Barro�er
<br /> any Funds held by Lender.
<br /> 4. Charges;L�ens. B�rrower shall pay aII�axes, assessments, charges,fines, and imp�sit��ns at�ribu�able ta
<br /> the Property wh�ch can attain priori�y over this Securi�y Instrumen�, Ieasehold paymen�s ar ground ren.ts on the
<br /> Property, �f any, and Community Assoc�ation Dues, Fees, and Assessments, if any. To the ex�ent that these items
<br /> are Escrow�tems, Borrower shall pay them in the mariner provided in 5ect�on 3.
<br /> BarroW�r sha�I prompt�y discharge any�ien�h�ch has priority over this S�curif�y�nstrument unless Borrow�r:
<br /> �a}agrees in v�riting to�he payment of the abligatian se�ured by the liex�in a xnanner acceptable t�Lender,but only
<br /> so long as Borrovver is perfnrm.ing such agreement; �b� contests the �ien in good fai�h by, or defends against
<br /> enforcement of the�i�n in, �egal pr�ceedings�vhich in Lender's opinion aperate to prevent the enforcexnen�af�he�ien
<br /> whil.e those proceeding�are pending, but onXy unti�such proceed�ngs are cancluded; or�c}secures fr�m the holder
<br /> of the l�en an agreement sa��sfactory �o Lender subord�nating the liex� to th�s Security Instrument. �f Lender
<br /> determines that any part of the Property is subject to a l��n which can attain priority o�er�h�s Se�urity�ns�rument,
<br /> Lender may give Borrower a n�tice identi�y�ng the lien. �Vithin 1� days of the date on which tha�notice is given,
<br /> Borr�wer sha��sa�isfy�he lien ar ta1�e one or m.ore of the actians set farth above�n th�s Sectian 4.
<br /> Lender may require Borrawer to pay a one-tirne charge for a real esta�e tax verif�cation andlor repor�ing service
<br /> used by Lender in connection with this Loan.
<br /> 5. Praperty Insurance. Bnrrov�rer shall keep �he impravement� now exis��ng or hereafter erected on the
<br /> Property�nsured against loss by fre, hazards included within the term"extended coverage," and any other hazards
<br /> �ncluding, but no�Iim�ted to, ear�hqual�es and fl.��ds, for wh�ch Lender requires�nsurance. Th�s insurance sha11 be
<br /> maintained �n the amor.u�ts �including deductible Ievels} and for the p�r�ods �hat Lender requ�res. '�hat L�nder
<br /> requires pursuant to the preceding sentences can change dur�ng�he�erm of the Loan. The insurance carrier providing
<br /> ��e insurance shall be chosen by Borrower�ubj ec�ta Lender's right to disapprove Borrower's choice,which right�hall
<br /> nat be exerc�sed unreasonably. Lender may requ�re Borrawer to pay,in connection with this Loan, ei�her: �a}a ane-
<br /> time charge for flood zane de�erm�nation, cert�ficatian and�racking services;ar�b}a one-�ime charge for f�ood zone
<br /> determ�nation and certif cation serv�ces and subsequen�charges each time remappings or similar changes accur which
<br /> reasonahly zn�gh� affect such determina�ian or c�rtification. Barr�wer sha11 a�so be responsible for the pa�ment of
<br /> any fees imposed by the Federa�Emergency Managemen�Ageney in connec�ian with�he review�f any flood zone
<br /> determinati�n result�ng fram an o�jection by Borrower,
<br /> �f Borrower fails�o mair��ain any of the caverage�descrihed abave, Lender may obtain insurance cov�rage, a�
<br /> Lender's option and B�rrawer's expense. Lender is under no obligat��n to purchase any particular�ype or amoun�
<br /> af caverage. Therefore, such c�verage shall cover Lender, but might or might ro�protect Borrovver, Borrower's
<br /> equ��y�n the Prop�rty, or the cantents�f the Proper�y, against any risk, hazard or l�abi�ity and migh�provide grea�er
<br /> �r lesser coverage than was previaus�y in effect. Borrau�er acl�naw�edg�s tha�the cast of the insurance coverage sa
<br /> ob�ained might s�gnificantly exceed the cost of insurance that Borrower c�u�d have obtained. Any amouri�s disbursed
<br /> by Lender under this Section 5 sha11 become addi�iona�d�bt of B�rrtiwer secured by�his Security Instrument. These
<br /> NEBRASKA��Single Family--Fannie MaelFreddie Mac UN[F�RM 1N5TRUMENT t]r�cA�Iag�'c �
<br /> Form 3��8 �101 Pag� 5 vf 'f4 wv�w_�ocmagic.corrr
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