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2� 1 ��5491
<br /> The Funds shalt b�he�d in an institution whos�deposits are in.su�red by a federal agency, instrumeatality,or
<br /> enti��including Lender, ��Lender is an institution�vhose deposits are so insured}or in any Federal Home
<br /> Loan Bank. Lender shall app�y�he Fund�to�pay the Escrow Items no later than the time specified u�der
<br /> RESPA. Lender shal�not charge Borrower for holding and applying the Funds,annually ana�yzing the
<br /> escra�r account,v�r v��rifyi�g the Escro�Ite�s,un�ess Lender pa�s Barrov�er interest on�.����nds and
<br /> App�icable La�v permits Lend�r to make such a charge.Unless an agreement is made in writiag or
<br /> App�icahle La�v requires interest to be paid on th�Fund�,Lender sha11 not be required to pay Borrower any
<br /> interest or earnings on.the Funds. Borrower and Lender can agr�e in writin�,however,that interest sha�l be
<br /> paid on the Funds. Lender sha11 give to Borrower,without charge,an annual accaunting of the Funds as
<br /> required by RE SPA.
<br /> If there�s a surplus of Funds held in escrQw,as defined under RESPA, Lender sha11 account to Borrow�r for
<br /> the�xcess funds in accordance with RESPA. If there is a shor�age of Funds he�d in escra�v,as defined under
<br /> RESPA,Lender shal�notify Borrower as required by RESPA.,and Borrov�er sha11 pay to Lender the amount
<br /> necessary ta rnake up th�shortage in accordance with RESPA,bu�in na more�haa 1�monthly pa�rments. If
<br /> there�s a def�ciency of Funds held�n escro�v,as defined under RESPA,Lender shall notify Borrower as
<br /> required b�RESPA,and Barrav�ef shall pa�to�ender the amount nec�ssary to make up t�e deficiency in.
<br /> accordance with RESPA,but in n�more than �2 monthly payments.
<br /> Upan payment in fu11 of a11 sums secur�d hy�his 5ecurity Instrument,Lender sha11 promptly refund to
<br /> Borrawer�.ny Funds held by Lender.
<br /> 4. Char��s;Liens,Borrower sha�l pay a11 taxes, assessments, charges, fines, and impfls�tions attributabte to
<br /> the Praperty which can atta�n pr�ority over tihis Security Instrument, leasehol�payments or groun�rents on
<br /> the Praperty, if any, and Cammunity Association Dues,Fees,and Assessments,if any, To the extent that
<br /> these items are Escro�It�ms,Borrower sha11 pay them in th�manner pr��ided in Section 3,
<br /> Borrower shall promptly discharge any lien which has pr�ari�over this Security Instrument un�ess
<br /> Barrawer: �a)agrees in tivriting to th�payment of the�bligation secured by the lien in a manner acceptable
<br /> �o Lender,but�nly so long as Bonower is performing suc�.agreement; �b}cv�tests the lien in good faith by,
<br /> or defends against enforcement of�he �ien in., lega�proceedings which in Lender's opinion aperate to prevent
<br /> �he enforcement of the lien while those proceedings are pending,bu�anly until such proc�ed�ngs are
<br /> concluded;or(c}secures from the holder of the lien an agreement satisfactory to Lender subordinating the
<br /> lien to this Security Instrument. If Lender determines that any part of the Praperty is subj ect to a lien�vhich
<br /> can attain priority over this Seeurity Instrument,Lender may giv�Borrower a na�ic� identifyin,�the lien.
<br /> Within 1�days of the date an which that natice is giv�n,Borro�ver sha11 satisfy the�ien or take one or more
<br /> of the acti�ns set farth above in this Section 4.
<br /> Lender may require Borro�ver to pay a one-�ime charge for a rea�estate tax verification andlor reporting
<br /> service used by Lender in e�nnection with this Loan.
<br /> 5. Property Insurance.Borrower sha11 keep the improvements now existing or hereaft�r erected an the
<br /> Property insured agains�lass by fire,hazards included w�thin the term"extended co�erage,"and any other
<br /> hazards including,but aot limited ta, earthquakes and floods, for which Lender requires insurance. This
<br /> insuran.ce shall be ma�ntained in th�amounts(�nc�uding deductible te��1s}and for the periods�hat Lender
<br /> requ�res. �hat Lender requires pursuant to the precedin�sentences can change during the term of the Loan.
<br /> The insurance carrier providing the in.surance sha��be choser►by Borrower subj ect t�Lender's right to
<br /> disapprove Bo�rovver's choice,�v�h�ch rig�ht s��l�no�be e�ercised unreasonabl�.Lend��rr�a�requir�
<br /> Borr�wer ta pay, in connection w�th this Loan,either: (a}a an�-time charge for fload zone determination,
<br /> certification and tracking services;or(b)a one-t�me charge for flood zone determination and certificatran
<br /> NEBRASKA�ingle Farnily-Fannie MaelFneddie Mac UNIFQRM INSTRUM�NT WITH MERS Fomi 3428 11�9
<br /> VMP� VMPBA�NE}(13�2].44
<br /> WoPters Kluwer Financial Services Page B af 17
<br /> qa3355��4179 �233 431 �617
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