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2� 15�79��
<br /> The Funds sha11 be held in at��nstitut�on whose depa�its are insured by a federal agency, instrum�ntality,or
<br /> entity(including Lender, if Lender is an institution whose deposits are so insuxed}or in any Federal Home
<br /> Laan Ba�, Lender shat�apply the Funds to pay the Escrow Items na later than the time specif�ed under
<br /> RESPA.Lender shalt not charge B�no�er fQr haldin�and applyiag the Funds,annually analy�in�the
<br /> escrv�ac�ount,ar v�����ng the Escro��t�rx�s,un�ess�ende�pa�s Bar�vwer i�.terest�n the Funds an�
<br /> Applicabl�Law perm�ts Lender to make such a charge,'Unless an agreement is made�n wri��ng or
<br /> Applicable L.aw requires int�rest�o be paxd on the Funds,Lerxder sha�l not be required�a pay Borro�ver an�
<br /> iaterest ar earn�ngs on the Funds. Borrower a�d Lender can agree in writing,howe�er,that in�erest shall be
<br /> paid on th�Fund�.Lend�r shall give�a Borrower,withaut charge,an a�nnual accaunting of the Funds as
<br /> required by RESFA.
<br /> If there�s a surplus of Funds held in escro�,as defined under RESPA,Lender sha11 account ta�arro�ver for
<br /> the excess funds in accardan.ce�vith RE�PA. If there is a�h�rtage of Funds held in escrow,as defined under
<br /> RE SPA,Lender sha11 notify Borraw�r as required by RE S�'A,and Borrower sha�i pay to Len.der the amount
<br /> necessary tv make up the shor�age in accordance with 1�E�PA,but in no more than 12 monthty payments. If
<br /> there is a deficiency of Funds held in escrow,as defined und�r RESPA,Lender shall notify�orrower a�
<br /> req��red by�S�'A,and Borrovver s�.a�l pay to L�nd�r the amount necessary to ma�e��t�.�d�f cYenc�Yn
<br /> accordance with RESPA,but in.no more than �2 mon�hly payments.
<br /> Upon pa�rment in full of�11 sums secured by�his Securrty Instrument,Lender sha11 pramptly refund to
<br /> Borrower any Funds held by Lender.
<br /> 4. �har�ges;Liens.Borrower shall pay ai�taxes, assessments, charges, f�nes, and impositians attribu�a.ble to
<br /> th�Property which can at�aia pr�ority over thi�Secur��y Instrumen�, Ieaseho�d payments or ground rents on
<br /> the Property, if any,and Community Association Dues,Fees,and Assessm�nts, if any. Ta the extent that
<br /> these items are Escr�w Items,Bon4�er shall pay them in the man.ner pra�ided in Section 3.
<br /> Borr�wer sha11 pramgtly discharg�any lien whreh has priarity over this S�curity Ins�ru.ment unless
<br /> Borravver: �a}agrees in�vriting to the payment of the obligati�n secured by the lien in a man.n.er acceptable
<br /> to Lender,but only so�ong as Borrower is performing such agreement; (b)cant�sts the lien in goad fa�th by,
<br /> or defends against enfarcement af the�ien in, �ega�proceedin�s which in Lender's opinion operate to prevent
<br /> th�enforc�ment af the lien while those proce�d�ng�are pending,but only un���such proceedings are
<br /> concluded;or(c]secu�res from the holder of the iien an agreement satisfactory to Lender subordinating the
<br /> lien to this Security Instrument.If Lender determines�ha�any part of the Property is subject to a�ien which
<br /> can attain prior�ty aver this Seeur�ty Instrument,Lender rnay give B�rrawer a notice identifying�he�ien.
<br /> �V'ithin 1�da�s of�he date on vvhich that notice is given,�or�rower sha�l satisfy the lien or take ane or mare
<br /> of�he ac�ions set farth above in this Secti��4.
<br /> Lender may require Bonower to pay a one-time charge for a real estate tax verification andlvr reporting
<br /> ser�ice used by Lender in connectian�vi�h this Laan.
<br /> �. Pr�perty In�urance.Bvrrou�er shall kee�the im�rovements notiv existing or hereafter erected on the
<br /> Property in.sured against loss by fire,hazards incl�ded within the term"�xtended coverage,"and any other
<br /> ha�ards in�lud�ng,but not lim�ted toA ea,rthquakes and floods� for which Lender requires insurance. This
<br /> insurance shall be mainta.in�d in the amounts(including deduct�ble 1eve�s}and for the periods that Lend�r
<br /> requ�res. �hat Lender requires pursuant to the preceding sentences can change during the term af�he Loar�.
<br /> The insurance carr�er pravidin�the insurance shall be chosen by Borrower subject to Lender's right tv
<br /> disapprove Borrower's ch�iGe,whic�right shall n�t be e�erc�sed unreasflnab�y. �.�nc�er may require
<br /> �orrovver to pay, in con.nectian with this Loan,either: (a}a one-tim�charge for fl�od�one det�rmination,
<br /> certification and tracking ser�ices;or�b)a one-time ch�xg�for flood zone determination and certification
<br /> MEgRASKA�ingle Family-Fannie MaelFr�eddie Mac UNlF�RM lNSTRI]MENT W1TH MERS Farm 3428 1141
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<br /> Wolters Kluwer Fina�cial S�rvices Page�of 9 7
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