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<br /> The Funds shall be held�n an institu�ion�vhose deposits are�nsur�d by a federal agency, in.strumentality§ar
<br /> entity(including Leader, if Lender�s an institutian whose deposit�are so inst�r'ed)or in any Federal Home
<br /> Loan Bank. Lender sha�1 apply the Funds to pay the Escro�v Items no later than the time spec��"ied under
<br /> RESPA. Lender shall not charg�Barrower far holding and applying the Fund�,annually ana�yzing th�
<br /> �scrow account,or ver��ying the Escro�I�ems,unles�Lender pays Borrower interest on the Funds and
<br /> App�icab�e La�v permits Lender to make such a eharge.LJn�ess an agreement is made �n�vriting or
<br /> App�icable Law requires�nt�rest to be paid on�he Funds,Lend�r sha�1 not be required to pay Borr�w�r any
<br /> interest or earnings on the�'unds.B�rrawer and Lender can�gree in u�ri��ng,l�owev�r,that i�terest sha11 be
<br /> paid on the Funds. Lender sha11 g�ve to Borro�ver,�rithout charge,an a�nua�acc�unting af the Funds as
<br /> r��uired by RE SPA.
<br /> If there �s a surplus of Funds held in escro�v,as d�fined under RESPA,Lende�sha1l account to Bonawer for
<br /> the excess funds in accardance with RESFA. If there is a short�ge of Funds held�n escravv,as defxned under
<br /> RESPA,Lend�r sha11 natify Borro�ver as required by 1�E5PA,and B�rrower shall pay to Lender the amount
<br /> n�c�ssary to ma1�e up the shortage in accarda�n.ce�rith RESPA,bu�in no more than 12 monthl�r payments. �f
<br /> there �s a deficiency of Funds he�d�n escrow,as defined under RESPA, Lender sha11 r�otif�r$arro�v�r as
<br /> required by RESPA,and Borrawer sha11 pa�to Len.der the arnount necessary to make up the def ci�ncy in
<br /> accordance with I�ESPA,but in no more t�.an 12 monthly payments.
<br /> Up�n payment in fu11 of al�su�ns secured by�h�s Security Instrument,Lend�r sha�l prarnptly refund ta
<br /> Borrower any Funds held by Lender. .
<br /> 4. �harges�L��n�.Ba�ower shall pa�all�a.�es, assessments, charge�, fines, an�rmpositions attributa'bie to
<br /> the Property wh�ch can attain pri�rity over this Se�ur��y Instrument, leasehold pa�rments or ground r�nts on
<br /> th.e I�rop�rty,�f an�,and�ommunity Association Dues,Fees,and Assessments, �f any. To the extent tha�
<br /> these it�ms are Escrow Items, Barrower sha11 pay them in the manner provided in Sectian 3.
<br /> Bonower sha1�pr��mptly discharge any lien uThi�h has priority over this Sec�.rity Instrum�nt unless
<br /> Bo�rrQwer: [a}agrees in�►vri�ing to the pa��rner�t of the Q�bliga��on secured b�th��ien i�a manue�ac��ptabl�
<br /> ��L�nder,but on�y so long as BQrro�ver is performing such�gre�ment; (b}contests the lien in good fa�th by,
<br /> or defends against enforcem�nt of�he lien in, lega�proce�dings vvhich�n L�nder's apinian operat�to pre�ent
<br /> the enforc�ment�f the lien vvhile thvse proceedings are pendin�,but on�y until such proceedings are
<br /> concluded;or�c)seGu.r�s from the ho�der of the lien an agreement satisfactory�o Lender subordina�ing the
<br /> �ie�.to this Se�urity Instrument. If Lender determines that any part of the Property is s�tbject to a lien�vhich
<br /> can at�a�n priority over this Secu.ri�Instrument,Lender may g�ve Borrfl�er a not�ce ide�tifying the 1ien.
<br /> �Vithin �a days of the date on which that notice is given,Borrawer shal�sa�isfy the lien or�a.ke one ar more
<br /> of the actians set forth abvve in this Section 4.
<br /> Lender may r�quire Barro�ver to pay a one-time charge for a real estate tax�erif�cation andlor reporting
<br /> service used hy Lender in cvnnection tivith t�is Loan.
<br /> 5. Property�nsurance.Borrower shal�keep the improvements nov�exist�ng or h�reafter erected an the
<br /> Prvperty insured against�oss by fir�,hazards included within the term"�xtended c�verage,"and any ather
<br /> haz�,rds including,but not Ii�nited to, ea�xthquakes and floods, f�r which Lender requires in�uran�e. 'This
<br /> insurance 5ha11 be maintained�n�he amounts(�ncluding d�duct�b�e levels�and for�he peri�ds that Lender
<br /> requires. What Lender requires pursuant to the preceding sentences can�hange during the term of the Loan.
<br /> "��e insuran�e ca�ri�r providing the ins�,trance shail�e chos�n.by Barrower subj ect to Len�er�s rig�ht�a
<br /> disagprove Borro�ver's choice,which right sha11 not be e�ercised unreasoaab�y, Lender may require
<br /> Borro�v�r ta pay� �.�1 CQ�111eGt1�Xl�V''1��'1��.115 L�d�Iy either: �a}a one-time charge for flood zane c�etermin.ati�n,
<br /> certification and tracking s�r�ices;or(b}a one-time charge for�laod zone determination and c�rtification
<br /> NEBRASKA�ir�gle Family-Fannie MaelFr+eddie AAac�N#FQRM INSTR�MENT WITH MERS Fomn 3�281141
<br /> VMP� ifMP�A(�E)(1302).44
<br /> Wo�#e�Kluwer Financial Seniices Page 6 of t7
<br /> q033411$4141 U233 3Z1 �617
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