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<br /> The Funds shall be held in an institution whose depasits are insured by a federal agency, instrumentality, or
<br /> entity �including Lender, if Lender is an institution whase deposits are so insured} or in any Federal Home
<br /> Loan Bank. Lend�r shall apply the Funds to pay the Escrow Items no later than the time spe�ifi�d under
<br /> RESPA. Lender shall not charge Borrow�r for holding and applying the Funds, annually analyzing the
<br /> escrow account, or �erifying the Escrow Items, unless Lender pays B orrower interest on the Funds and
<br /> Applicable Law permits Lender to make such a charge. Unless an agre�men� is made in writing or
<br /> Applicable Law r�quires interest to�e paid on the Funds, Lender shall no� b�required to pay Borrower any
<br /> interest or earnings on the Funds. B orrower and Lend�r can agre�in writing, however, that interest shall be
<br /> paid on the Funds. Lender shall gi�e to Borrower, withaut charge, an annual accountin� of the Funds as
<br /> required by RESPA.
<br /> If�here is a surplus of Funds held in es�row, as defin�d under RESPA,Lender shall account to Borrower for
<br /> the e�ccess fund5 in accordance with RESPA. If there is a shartage of Funds held in escrow, as defined under
<br /> RESPA, Lender shall natify �orrower as required by RESPA, ar�d Borrower shall pay to Lender the amaunt
<br /> necessary to make up the shortage in accordance with RESPA, but in no mor�than 12 monthly payments. If
<br /> there is a deficieri�y of Funds held in escrow, as defined under RESPA, Lender shall notify B orrower as
<br /> required by RESPA, and Borrower shali pay ta Lender the amount necessary ta make up the deficiency in
<br /> accordar�ce with RESPA, but in no more than 1 Z monthly payments.
<br /> Upon payment in full of all sums secured by this Security Instrument, Lender shall prompt�y refund to
<br /> Borrower any Funds h�1d by Lender.
<br /> 4. Cha�'ges; Liens. Borrawer sha11 pay al1 taxes, assessments, charges, fines, and impositions attributable to
<br /> the Praperty which can attain prinrity o�er t�is Security Instrument, leasehold payments ar ground rents on
<br /> th� Property, if any, and Communi�y Association I7ues, Fees, and Assessmerits, if any. To the extent that
<br /> these items are Escrow Items, Borrow�r shall pay them in the manner prv�ided in Section 3.
<br /> Borrower shall promptly discharge any lien which has priority over this S�curity Instrument unless
<br /> Borrower: (a} agrees in writing tv the payment of the nbligation secured by the lien in a manner acceptable
<br /> to Lender,but only so long as Borrower is perform�ng such a�reement;�b} contests the lien in gaod faith hy,
<br /> or defends a�ainst enfarcem�nt of the lien in, legal proceedings which in Lender's opinion operate to pre�ent
<br /> the �nforcement of the lien while those proceedings are pending, but oniy until such proce�dings are
<br /> con�luded; or (c� se�ures from the holder af the lien an agreement satisfactory to Lender subordinating the
<br /> lien to this Security Instrument. �f Lender determines that any part of the Property is subj�ct to a Iien which
<br /> can attain priority o�er this Security Instrument, Lender may gi�e Borrower a notice identifyin� the lien.
<br /> Within 1�days of the date on which that notice is gi�en, Borrower shall satisfy the lien or take one or more
<br /> of the actions set for�h abo�e iri this Section 4.
<br /> Lender may require Borrower to pay a oneWtime �harge for a real estate tax �erificatinn andlor reporting
<br /> ser�ice used hy Lender in connectian wi�h this Loan.
<br /> 5. Property Insurance. Borrower shal� keep the impro�ements now existirig ar hereafrer erected on the
<br /> Property insured against loss �y fire, hazards included within the term "extended coverage," and any other
<br /> hazard� including, but not limited to, earthquakes and floods, far which Lender requires insurance. This
<br /> insurance sha11 be mainta�ned in the amounts �including deductible levels} and for the periods that Lerider
<br /> requir�s. What L�nder requires pursuant to the preceding sentences can charige during the term of the Loan.
<br /> The insurance carrier pro�iding the insurance shall be chosen by Barrawer subject to Lender's righ� to
<br /> disappro�� Borrower's choic�, which right shall not be exercis�d unreasona�ly. Lender may require
<br /> Borrawer to pay, in connection w�th this Loan, either: �a� a on�-time charge for flood zon� determination,
<br /> certification and tra�king services; or (b} a ane-time charge for flood zone determinatian ar�d certification
<br /> oo�izaoa�a�a c�t��a���.��a.�s v�
<br /> NEBRASKR-5ingle Family-Fannie Mael�reddie Mac UNIFQRM INSTRl1MENT WITH MERS Farm 3a28 11D1
<br /> VMP� VMP6A�NEj�f3fl2).�0
<br /> Woltsrs Itluwer F�nancial 5erv4ces Page B of 1l
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