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' ��15�58�4
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<br /> The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or
<br /> entity(inciuding Lender, if Lender is an instituti�n v►�hase deposits are sa insured�or in an�Federal Hame
<br /> Loan Bank. Lender sha1l apply the Funds to pay the Escrow Iterns no later�han the tirne specified under
<br /> RESPA. Lender shall not charge Barrower far holding and apply2ng the Funds, annually anaiyzing the
<br /> escrow account, ar verifying�he Escrow Items, unless Lender pays Sorrower interest on the Funds and
<br /> AppIicabte Law permits Lender to make such a charge. Unless an agre�ment is made in writing ar
<br /> AppIicabie Law requires interest to be paid on�he Funds, Lender shall not be required to pay Borrower any
<br /> in�erest or earnings on�he Funds. Bnrrower and Lender can agree in wrifing, hav�eWer, that interest shall be
<br /> paid on the Funds. Lender shall give to Borrower, withaut charge, an annual acGaun�ing of rhe Funds as
<br /> required by RESPA.
<br /> If there is a surplus of Funds held in escrow, as def ned under RESPA, Lender shall accaunt tQ Borrower for
<br /> the excess funds in accordance wi�h RESPA. If there is a shortage of Funds held in escraw, as defined under
<br /> RESPA, Lender shall notify Borrawer as re�uired by RESPA, and Borrawer sha11 pay to Lender the amount
<br /> necessary to make up the shortage in accardance wi�h RESPA, but in,no more than �.�monthly payments. If
<br /> there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall natify Barrower as
<br /> required by RESFA, and Borrower sha11 pay ta Lender the amount necessary to make up the def ciency in
<br /> accordance wi�h RESPA, but in no more�han 12 monthly paymen�s. .
<br /> Upon payment in fu1l of all sums 5e�ured by this Security Instrumenf, Lender shall pramptl�refund to
<br /> Bvrrflwer any Funds held by Lender.
<br /> 4. Charges; Liens. Barrawer shall pay aIl taxes, assessments, charges, ftnes, and impositians attributable to
<br /> the Property which can at�ain priority a�er this 5ecurity�nstrument, Ieasehold paymentis or ground rents on
<br /> the Property, if an�, and�ommunity Association Dues, Fees, and Assessments, if any. Ta the extent that
<br /> these items are Escrow Items, Borravrrer shall pay them in the manner pravided in Sectzon 3.
<br /> Barrower shall promptly discharge any Iien which has priority oWer this Security Instrument unless
<br /> Borrower: �a}agrees in writing to the paytnent of the obligation secured by the lien in a manner accepta�ie
<br /> ta Lender, but oniy sa lang as Barrav�rer is performing such agreement; (b�cantests the lien in good faith by,
<br /> or defends against enfvrcement af the lien in, legal proceedings which in Lender's apinion�perate ta pre�ent
<br /> the enforcernent af�he Iien while thase praceedings are pending, but only until such praceedings are
<br /> cflncluded; or (c�secures from the halder of the lien an agreement satisfactory to L�nder subordinating the
<br /> lien ta this Security Instrument. If Lender determines�hat any part of�he Proper�is subject to a lien which �
<br /> can attain priority o�er this 5ecurity Instrument, Lender ma}�gi�e Borrower a notYce identifying the tien.
<br /> Within IQ days of the date on which that notice is gi�en, Borrower shatl satisfy the lien or take ane or more
<br /> of the actians set for�h abo�e in this Section 4.
<br /> Lender may requ�re Barrower ta pa�a one-time charge far a real estate tax verif cation andlar repor�ing
<br /> serWice used by Lender in�onnection wi�h�his Laan.
<br /> 5. Praperty lnsurance. Borrower shall keep the impro�ements now existing or herea.f�er erected on the
<br /> Property insured against loss by fire, hazards included within the term "extended co�erage," and any ofiher
<br /> ha.zards including, but n�t Iirnited to, earth�uakes and flvods, for vvhich Lender requires insurance. This
<br /> insuranc�shall be main�ained in the amounts�inciuding deduc�ible leWels}and fvr the per�ods tha�Lender
<br /> requires. VL�hat Lender requires pursuant�o the preceding sentences can chang�during the term of the Loan.
<br /> The insurance carrier pra�iding the insurance sha�I be chosen by Barrower subj ect to Lender's right to
<br /> disappro�e Borrower's chaice, which right shall not be exercised unreasonabl}�. Lender may requ�re
<br /> Borrower to pay, in cannection wi�h fhis Loan, either: �a}a one-time charge for flood zone determination,
<br /> cer�if cation and trackzng services; or�b�a one-time charge for flovd zane defermination and certification ,
<br /> 156474684 �D9193G7�4
<br /> NE6RA5KA-Single Family-�annie MaelFreddie Mac UhfIFflRM INSTRUMENT WITH M�RS Form 3028'i10'f
<br /> VMP� VMP6A[NE](13��].DO
<br /> Wniters itluwer Financial 5er►�ices Page 6 af 9 7
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