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<br /> agreement is made in writing or Applicable Law requires interest to be paid on the Funds,Lender shall not be required to
<br /> pay Borrower any interest or earnings on the Funds.Borrower and Lender can agree in writ}ng,however,that interest
<br /> shall be paid on the Funds.Lender shall give to Borrower,without charge,an annual accounting ofthe Funds as required
<br /> by RESPA.
<br /> If there is a surplus of Funds held in escrow,as defined under RESPA,Lender shall account to Borrower for the
<br /> excess funds in accordance with RESPA.If there is a shortage of Funds held in escrow,as defined under RESPA,Lender
<br /> shall notify Borrower as required by RESPA,and Borrower shall pay to Lender the amount necessary to make up the
<br /> shortage in accordance with RESPA,but in no more than 12 monthly payments.If there is a deficiency of Funds held in
<br /> escrow,as defined under RESPA,Lender shall notify Borrower as required by RESPA,and Borrower shall pay to Lender
<br /> the amount necessary to make up the deficiency in accordance with RESPA,but in no more than 12 monthly payments.
<br /> Upon payment in full of all sums secured by this Security Instrument,Lender shall promptly refund to Borrower any
<br /> Funds held by Lender.
<br /> 4. Charges; Liens.Borrower shall pay all taxes,assessments, charges, fines,and impositions attributable to the
<br /> Property which can attain priority over this Security Instrument,leasehold payments or ground rents on the Property,if
<br /> any,and Community Association Dues,Fees,and Assessments,if any.To the e�ent that these items are Escrow Items,
<br /> Borrower shall pay them in the manner provided in Section 3.
<br /> Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower:
<br /> (a)agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender,but only so
<br /> long as Borrower is performing such agreement;(b)contests the lien in good faith by,or defends against enforcement of
<br /> the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those
<br /> proceedings are pending,but only until such proceedings are concluded;'or(c)secures from the holder of the lien an
<br /> agreement satisfactory to Lender subordinating the lien to this Security Instrument.If Lender determines that any part of
<br /> the Property is subject to a lien which can attain priority over this Security Instrument,Lender may give Borrower a
<br /> notice identifying the lien.Within 10 days of the date on which that notice is given,Borrower shall satisfy the lien or take
<br /> one or more of the actions set forth above in this Section 4.
<br /> Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used
<br /> by Lender in connection with this Loan.
<br /> 5.Property Insurau�ce.Borrower shall keep the improvements now existing or hereafter erected on the Property
<br /> insured against loss by fire,hazards included within the term"extended coverage,"and any other hazards including,but
<br /> not limited to,earthquakes and floods,for which Lender requires.insurance.This insurance shall be maintained in the
<br /> amounts(including deductible levels)and for the periods that Lender requires.What Lender requires pursuant to the
<br /> preceding sentences can change during the term of the Loan.The insurance carrier providing the insurance shall be
<br /> chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised
<br /> unreasonably.Lender may require Borrower to pay,in connection with this Loan,either:(a)a one-time charge for flood
<br /> zone determination, certification and tracking services; or (b)a one-time charge for flood zone determination and
<br /> certification services and subsequent charges each time remappings or similar changes occur which reasonably might
<br /> affect such determination or certification.Borrower shall also be responsible for the payment of any fees imposed by the
<br /> Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from
<br /> an objection by Borrower.
<br /> If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at
<br /> Lender's option and Borrower's expense.Lender is under no obligation to purchase any particular type or amount of
<br /> coverage.Therefore,such coverage shall cover Lender,but might or might not protect Borrower,Borrower's equity in
<br /> the Property,or the contents of the Property, against any risk,hazard or liability and might provide greater or lesser
<br /> coverage than was previously in effect.Borrower acknowledges that the cost of the insurance coverage so obtained might
<br /> significantly exceed the cost of insurance that Borrower could have obtained.Any amounts disbursed by Lender under
<br /> this Section 5 shall become additional debt of Borrower secured by this Security Instrument.These amounts shall bear
<br /> interest at the Note rate from the date of disbursement and shall be payable,with such interest,upon notice from Lender
<br /> to Borrower requesting payment.
<br /> NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENTwith MERS Form 3028 7/01
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<br /> ios,inc. Borrower(s)Initials�!�``'
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