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<br /> The Funds sha11 be held in an institution wh�se deposits are insured by a f�deral agency, instrumentality,or
<br /> ' ent�ty(i�ctuding Lender, if Lender�s an ins�itution whose deposits axe so insured)nr in any Federal Home
<br /> Loan Bank. Lender sha11 apply the Funds to pay the Escro�r T�ems no later than th�t�me specified under
<br /> RESPA. Lender shall not charge Borrower for hold�ng and applying�he Funds,annually analyzing the
<br /> escrow account,or verifying the Escrow Items,unless Lender pa�s Borrower interest on the Funds and
<br /> Applicab�e Law permits Lender to make such a charg�.Unless an agreement�s rnade in writing or
<br /> App�icable Lav�requires i�aterest to be paid an the Funds,Lender sha11 not be required to pa�r Borrov�er any
<br /> interes�or eamings on the Funds. Bortower and Lender can agree in vvriting,howe�er,tha��nterest sha��be
<br /> paid on the Funds. Lender sha�l give�o Borrower,�ithout charge,an annual accounting of the Funds as
<br /> required by RE SPA.
<br /> �f�here is a surptus of Funds held in escrow,as de�ned under RESPA,Lender shail account to Borrower for
<br /> the excess funds rn accordance�vith RESPA. If there is a shortage of Fun�s h�ld in escroiu,as defined under
<br /> RE SPA,Lender sha11 no�ify Borrow�r as required by RE SPA,and Borrower sha11 pay to Lender the amount
<br /> necessary to make up the shortage in accordance�vith RESPA,but in no more than 12 month�y payments. �f
<br /> there is a def c�ency of Funds he�d in escraw,as defined under RESPA,Lender shal�notify Borrower as
<br /> r�quued by RESPA,and B�rro�er sha���ay ta Len.der the a�noun�neeessa��y�o ma.l�e���he deficiency in
<br /> accordance with RESPA,but in no more than 12 monthly payments.
<br /> Upon payment in fu��of a11 sums secured by�his SeGuri�y Instrument,Lender shal�promptly refund to
<br /> Barrower any Funds held by Lender.
<br /> 4. Charges;Liens.Borrawer sha11 pay all ta.xes, assessments, charg�s, fines, and impositi�ns attr�buta.�le to
<br /> the Proper�r wh�ch can attain priari�y over��is Security Instrument,leasehold payment�or ground rents on
<br /> �he Property, if any,and C�mmunity Association D�.es, Fees,and Assessments, if any. Ta the extent that
<br /> these items are Escrow Items, Borrower sha�1 pay them in the manner provided in Section 3.
<br /> F3arrower sha11 promptly discharge any lien vvhich has pr�ority over this Security Instrument unless
<br /> Borrawer: (a�agrees in writing to the pa�rment of the abligation secured by the lien in a manner acceptable
<br /> to Lender,but only so long as Borro�ver i�perfarmi�g such agreem�nt; (b)contests the lien in good faith by,
<br /> or defends against enforcement of th�lien in, �ega�proceedings which in Lender's opinion�perate to prevent
<br /> the enforcement of the�ien while those praceedings are pending,but anly unt��such proceedings are
<br /> concluded;or(c}secures from�he holder of t�e lien an agreement satisfac�ory to Lender subordinating the
<br /> lien to this Security Instrument. If Lender determines that any pa.r�of the Property is subject to a��en vvhich
<br /> can attain priority over this Security Instrument,Lender may g��e B�rrower a no��ce identifying the �i�n.
<br /> W�thin 1�days of the date on which tha�notice is given, Borrvwer sha��satisfy the lien or ta.ke one or more
<br /> of the act�ans set forth abo�e in this Section 4.
<br /> Lender may require Borrow�r to pay a one-time charge for a real e�tate ta.x verification andlor reporting
<br /> ser�ice used by Lender in connect�on with this Loan.
<br /> 5. P ro�erty i n s u rart ee.Borro�rer sha11 keep the imprvvements now existing or hereafter erected o�.the
<br /> Property insured against loss by fire,hazard�inc�uded within the term"extended caverage,"and any ather
<br /> hazards inc�uding,but not limited to, earthquakes and floods, for which Lender requires insurance. Thrs
<br /> insurance shall b�maintained in the amounts�including deductible levels}and for the periods�hat Lender
<br /> requires. What Lender requires pursuant to the preceding sentenees can change during�he�erm of the L�an.
<br /> The insurance carr�er praviding the insurance shall be chosen by Borrower subject ta Lender's right to
<br /> d�sapprove��rrov��r's�haice,vFrhich right shall nQt be exercised unreasonably,Lender may requi.re
<br /> Borrower to pay, in connection with this Loan, either: (a}a one-time charge far fl�od zone determinatio�,
<br /> certifcation and tracking s�rvices;or�b}a one-�ime charge for flood zone determinati�n and certification
<br /> NEBRASKA�ingle Family-Fa�nie MaelFreddie Mac UN#FQRM IIVSTRLIMENT WITH MERS Fornn 3428 4141
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