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2� 1 ��23� 1
<br /> The Funds shall be held in an institution�vhose depasits are insured by a federal ag�ncy, instr�uumentality,or
<br /> entity�inc�uding Lender,if Lender is an institution whose deposits ar�s�insur�d}or in any Fede�ral I�v�rn�
<br /> Loan Bank. Lend�r shall app1�the Funds ta pay the Escrow Item�no later than the time specified under
<br /> RE�PA,Lender shall not charge Borrower for holding and applying the Funds,annual�y ana�yzrng the
<br /> escrow account,or����fying the Esc�o�Items,un.less i,end�e�pa�s�30�0���interest on.�he�unds and
<br /> Applicabl�La�permits Len.der to mal�e such a charge,U'n�ess an agr�ement�s made i�writ�ng or
<br /> Applieable Law requir�s interest to be paid on the Funds,Lender shall not be required to pay Borrower any
<br /> interest or ear�ings on th�Funds.Borrowex and Lender can agree in writing,h�wever,that in�erest sha11 be
<br /> paid vn the Funds. Lender sha11 give to Borro�ver,�ithout eharge,an annual a�caunting of the Funds as
<br /> requir�d�y REST'A.
<br /> If there is a surplus of Funds held in escro�v,as defined under RESPA,Lender sha11 account to Borro�er far
<br /> the excess funds in accordance with 1�ESFA. If there is a shor�age�f Funds held in�scrow,as def�ned under
<br /> RESPA,�e�der shall notify B�rro�e�r as req�ired�b��ESPA,and B��ro�er shall pay ta Lender th�amou.n��
<br /> necessar�ta make up the shortage in accordance�vith 1�E SP'A,but in no more than 1�rr�onthl�payments. If
<br /> there is a deficiency af Funds he�d�n escrvvv,as de�"�ned under RESPA,Lender sh�1�notify Borrower�.s
<br /> require�by RESFA,an.d B�nower sha11 pay to Lender t�e amount necessar}�t�make up the deficien�y in
<br /> accordance with I�E SPA,�u�in�o more than 1�monthly payments.
<br /> Upon paymen�in.fu11 af all sums secur�d by this Se�urity Instrument,I�ender s�ia11 pro�ptly refiand to
<br /> Borrower any Funds held by Lender.
<br /> 4. C�arge�;Liens.Borro�rer sha11 pay a11 tax�s, aSsessmen�s,charg�s, f�ae�, and impvsit�ons attributa.bl�to
<br /> th�Proger�y�vhich can attain pr�ority over this Security�nstrument,leaseho�d pa}�ments ar ground rents on
<br /> �he Property, if an�,and�ommun.ity Association Dues,Fees,and Asses�ments, �f any. To the extent th�t
<br /> these items are Escraw Items,Borr��ver sha11 pa�r them in t�.e man�n.er provided in Sectian 3.
<br /> Borrower shall promptly disGha.rge any lie�whieh has priority over�h�s�ecurit�Instrumen�unless
<br /> Borro�er: (a)agrees in writing to the payment of the obligation secured�y the lien in a manner accep�a.ble
<br /> to Lender�but only so�ong as B�rro�uer�s�erf�rming such agreement; �b)con��sts the lien in gaod faith b�,
<br /> or defends against enfarcement�f the lien�n, legal proceedings�hich in Lender's opinion op�rate to pre�ent
<br /> the enforc�ment af the lien�vhile those proceedings are pending,but only until such proceedings are
<br /> concluded;or�c�secures from the holder of the lien an agreement satisfactary to L�nder subatdinating the
<br /> lien to this Security Instrument, If Lender determines that any part of the Property is subject t�a lien Which
<br /> can attain priorxty o�er this Security�nstrurnent,Lender may give Barro�ver a notice�den��fy��.g the 1i�n.
<br /> Within 1 U days of the date on which that no��ce is given,Barrawer shal�satisfy the lren�r take one or mare
<br /> of the actions set forth ab�ve in this Section 4,
<br /> Len$er may requu'e Bvrrower�a pay a one�-time charge for a rea�e�t�te tax ver�fication andlor reporting
<br /> ser�iGe used by Lender in connection with this Laan.
<br /> 5. P ro perty I n s�ran�e.�.3orrov�er sha11 i�eep the im�rovements now existi�.g or her�a��r erec�te�on the
<br /> Property insured again�t loss by fire,hazards included within the term"extended co�erag�,"and any other
<br /> ha�ards including,but not limited to,earthquakes a�.d flood�, for wluch Lender requires insurance. This
<br /> insurance s�.�ll be maintained in the amaunts��ncluding deductible levels�and for the periads that Lender
<br /> requi.res. '�hat L�nder requires pursuant ta�he preceding sent�nces�an change durin�th�t�rm�f the Loan.
<br /> Th�insurance carrier praviding the iasurance sha11 be chosen by Borrower subjec�to Lender'�right to
<br /> disap�r�ve Borr��ver's choice,�vhich right shall not be exercised unreasonably. Lender may requi.re
<br /> ��rrower to pay, in cvnnection with this Loan, either: (a}a one-��me chaxge for flood�on�det�rmination,
<br /> �ertification and tracki�g serWices;or(b}a one-time�harge far flood zone d�termination and�er�ification
<br /> NEBRASKA-Single Family-Fannie MaelFneddie Mac L1NIF�RM INSTRIJMENT W1TH NlERS Farm 3428 1141
<br /> VMP� VMPBA�NEJ[�342}A4
<br /> Wotters I�luwer Financial Services Page B of 97
<br /> q�335�294692 0233 346 4617
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