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2� 1 ���� 14
<br /> The Funds sha1�be held in an instituti�n�vhose dep�s�ts are insured by a federal ag�ncy,in.strurnentality,or
<br /> entity(i�.ncludin�Lender, if Lender is an institutian whose deposits are so insured}or in any F�deral Home
<br /> Laan Bank, Lender shall app�y the Funds t�pa�r th�Escro�Items no later than the time spe�ified under
<br /> RESPA.Lender sha11 not charge Borr�wer for ho�ding and applying the Funds,an.nually analyzing the
<br /> escro�v acc�unt,ar verifying the Escro�v Items,unl�ss Lender pays Borrower intere�t on the Funds and
<br /> Applicable Law p�rmits Lender to make such a charge.Unless an agreement is mad�in writing ar
<br /> Agplicable Law requires interest to be paid on th�Funds,Lender sha11 not be required to pay$orrower any
<br /> � interest�r eaarnings on the Funds. Borrower and Lender can agr�e in writing,how��er,that inter�st shat�be
<br /> paid on the Funds. Len�er sha11 g�ve to Borrower,�vithout charge,an annual account�ng of the Funds as
<br /> required by RESPA.
<br /> If there is��urp�us of Funds held in escrow,as defined under RESPA,Len.der sha11 ac�ount to Borrower for
<br /> the excess funds in ac�ordance�vith RESPA, If there is a shartage of Funds held in escrow,as def�ned under
<br /> RE SPA,Lender shall notify Borrower as r�quired by RE SPA..,and Borr�wer shal�pay to Lender the am�unt
<br /> nec�ssary to ma.k�up the shor�ag�in accordance tivith RESPA,�aut in no more than �2 monthl�gayments. If
<br /> there is a def�cien�y of Funds he�d in escrow,as defined under RESPA, Lender sha��notify Borr��ver as
<br /> r�quired by RESPA,and Borrovver shal�pay to Lender the amount necessary t�make up the deficiency in
<br /> accordance with RE SPA,but in na more than i 2 mon�thl�payments.
<br /> LJpon payment in.fu��of a�1 sums secured by this Security Instrument,Lender�ha11 promptly refund�o
<br /> Borro�ver any Funds held by Lender.
<br /> 4. �har�ges;Lie�s.B�rrower sha11 pay all taxes, assessments, charge�, fines, and imposi�ians attribu�a.ble to
<br /> the Prvperty which can attain priority over this Security Instrument, leasehold payments or ground rents on
<br /> th�Property, if any,and Community Associati�n Dues,F�es,and Assessments, xf an�. To the extent that
<br /> these�tems are Escr�w Items,Borro�er sha��pay th�m in the manner pravided in Sectian 3.
<br /> Borrower sha11 promptly discharge any lien�vhich has prior�ty o�er this Secur�ty Instrument unless
<br /> Borrower: (a}agr�es in wri�ing to the paymen�of the obl�ga�ion secured by�he lien in a man.ner acceptable
<br /> �o Lender,bu�onl�so�ong as$orr��ver is performing such agreement; �b}contests�he lien in gaod faith by,
<br /> or def�nds against enforcement of the�ien in, 1ega1 pr�ceedings which in Lender'�opinion operate to prevent
<br /> the enforGem�nt of the lien while thase proceedings ar�pending,but anly until such proceedings are
<br /> concluded;or(c�secures from the holder of the lien an agre�ment sati�factory to Lender sub�rdinating the
<br /> lien to this�ecurity Instrument. If Lender determ�nes that any part of the Property is subj ect to a lien�vhich
<br /> can att�.in priority over this Security Instr�uurnent,L�nder may give Bono�ver a notice identifyin�the I�en.
<br /> Within 1 U days of the date an v�hich that no�ice is given,Barrower sha11 satisfy the lien or�ake one or mvre
<br /> �f the actians set for�h above in this Section�,
<br /> Lender may require Borrower t�pay a one-tin�e charge for a real estate tax verifi�ation andlor reporting
<br /> service used by Lender in connecti�n wi�h this Loan.
<br /> 5. Praperty lnsuran�e.Barrower sha11 keep the impravernents now existing or h�reafter erected on the
<br /> 1�'operty i.nsured against 1�ss by fire�hazards included within the term"extended coverag�,"and any ather
<br /> hazard�including,but not limited to,earthquakes and flo�ds, for which Lender requir�s�nsurance.This
<br /> insuranc�shall be mainta.ined'u�th�amounts�including deductible levels)and for the periads that Lender
<br /> requires. �Vh.at Lender requ�.res pursuant to the preceding�entence�can change during the term of th�Loan.
<br /> The insuranc��arrier providing the insurance shali be chosen by�3arravver subje�t�o Lender's right to
<br /> �lisapprove Borrower's choiee,which right sha1�not be exercised unreasonably. Leader may r�quire
<br /> Borro�ver to pay,in cannection with thi�Loan, either: (a)a one-time charge f4r flood zone determinati�n,
<br /> c�rtification and�racking ser�rices;or�b}a on�-tim�charge for flood zone determination and certification
<br /> NEBRASKA-Sing�e Family-Fa�nie[NaelFreddie[I�ac UNiF4RM IMSTRUMENT WITH IVIERS Form 3428 9141
<br /> VMP� VMPfiA[NE}�13fl2).4Q
<br /> Woiter^�Kiuwer Financiaf SeEvices Page 6 of 17
<br /> qU33G�874512 4233 297 �617
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