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<br /> The Funds shatl be held in an institutian wh�se deposits a.re insured by a federal agency, instrumentality,ar
<br /> entity�inciuding Lend�r, if Lender is an institution wh�se deposits are so insured)or�n any Federal Home
<br /> Loan Bank. Lender sha11 apply the Fun.ds to pay the Escrow Items no later than the time specified under
<br /> RESPA. Lender sha11 n�t charge B�rr�wer for ho�ding an�i applying the Funds,an.nually analyzing the
<br /> escro�v account,or verifying the Eser��v Items,unless Lender pays Barrower interest on the Funds an.d k
<br /> Applicable Law germits Lender ta mak�such a charge.Un1ess an agreement is made in writing or �
<br /> Applicable Law requues interest�a be paid on th�Funds,Lender sha�l nat be r�quired�o pay Barrovver any
<br /> interest or earnings on the Funds.I3orro�ver and Lender can agree in wr�.ting,how�ver,that interest shall�e
<br /> paid on the Funds. Len.der shall g�ve to Borrawer,�vithout charge,an annual accounting of the Funds as
<br /> requised by RE SPA.
<br /> If there is a surplus of Funds held in escro�,as defined under RESPA,L�nder shall accaunt ta Borr�v�er for
<br /> the excess funds in accordance with RESPA. If there is a shartage of Funds he�d in escrow,as def�n�d under
<br /> RESPA,Lender�hall notify Borrower as required by RESPA,and Borrawer sha11 pay to Lender the amount
<br /> necessary to make up the shortage in accordance with RE�PA,but in no m�re than 12 monthl�paym�nts. If
<br /> there is a deficiency of Funds h�ld in escrow,as defined under RESPA,Lender sha11 notify Borrower as
<br /> required by REST'A,and Bon�wer sha11 pay to Lend�r the amount necessary to make up the deficiency in
<br /> accordance with RESPA,but in no more than I2 monthly payments.
<br /> Upon paym�nt in fu11 of all sums secured by this Security�nstrument,Lender sha11 promptly refund to
<br /> Borrower any Funds he1�by Lender.
<br /> 4. Charges;Liens.Borrower shall pay all taxes, assessments,charg�s, fines, and imp�s�tions attributab�e to
<br /> the Propert�which can att�in priority over thi�Security Instrument, leasehold payments or graund rents on
<br /> the Property, if any,and�ommunity Association Dues,Fees,and Asse�smen�s, if any. T�the ext�nt that
<br /> these it�ms are Escro�Items,Borrower sha��pay them in the manner pravided in Sec�ion 3,
<br /> Barrower sha11 promptly discharge any lien which has priority over this Security Inst�ument unless
<br /> Borrower: (a}agrees in writing to the payment of the abligat�on secured by the lien in a manner acceptable
<br /> to Lender,but only so lang as Barrower is p�rforming such agreement; �b)contests the l�en in gaad faith by,
<br /> or defends against enfareemen�of the li�n in, legal proceedings which in Lender's opinion operate to pre�ent
<br /> the enforcement of the lien whi�e those praceed�ngs are pend��g,but on1�r un�i1 such proce�dings ar�
<br /> concluded;or(c}secure�from tbe hold�r of the��e�x an agreement satisfactory to Lender subordinating the
<br /> Iien t�this Security Instrument.If Lender determines that any part of the Prop�rty is sul�ject to a lien which
<br /> can attain pri�rity over this Security Instrument,Lender ma�give�orrower a natice identifying the Iien.
<br /> �V�thin 1�days af the date on which that notice�s given,Borrower sha11 sat�sfy the lien vr tal��one ar mar�
<br /> of the actions set for�h abov�in this Sectian 4.
<br /> L.ender may require Borrower to pay a one-time char�e for a real estate tax verif�cation andlar reporting
<br /> service used by Lender in conunection with this Loan.
<br /> 5. Prop�rty Insuran�e.Borrow�r shall keep the imprv�emen�ts now existing ar hereafter erec��d on the
<br /> Prope�`ty insur�d aga�nst lass by fires hazards includ�d within the term"extended coverag�,"and any other
<br /> hazards�ncluding,but n�t limited to,eaxthquakes and floods,for�vhich Lender requires insurance. This
<br /> �nsurance sha11 be maintain�d in the amaunts[includ�ng deduetibl�1evels)and for the p�riods that Lender
<br /> requires. �Vhat Lender ret�uires pursuant to the pre�ed�ng sen�ences can�hange during�he term of the Loan,
<br /> The insurance carrier praviding the insurance sha��be chosen by Barrower subject to Lender's right t� -
<br /> ' disapprove Borra�ver's choice,which right shall no�be exercised unreasonably. Lender may requir�
<br /> Borrotiver to pay, ia connection with this Loan,either: (a}a oae-time charge for fl�ad zane determination,
<br /> c�rtification and t�rrac�ing ser�vices;or(b}a one-time charge for flood zane�letermination and cer�ification
<br /> NEBRASKA�ingle Family-Fannie MaelFr�eddie Mac UNlFORM INSTRUMENT WITH MERS Form 3428 11�1
<br /> VMP� VMP6A(NE}(�3d2).� �
<br /> VlioEters Klwver Financial 5ervices Page 6 of i7
<br /> qU3335918252 �233 �56 4517
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