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2� 1 ��959 The Funds sha11 be held in an insti�ution whase deposits are insured by a federal agenc�, instrumenfiality�or entity(including Lender, if Lender is an institutian whose deposits are so�nsured)or in any Federal Home Loan Ba�k. Lender shall apply the Funds to pay the Escrov�Items no later��an the time specified under RESPA. Lender shal�not�harge Borraw�r for ho�din�and applying th�Funds,ar�nually analyzing the escro�v accoun�,or�erifying the Escrow Items,unless Lend�r pays Borro�er i�terest on the Funds and Applicable L�w permits Lender ta make such a charge.Unless an agreement is made in writing or Applicable Law requires interest t�be pa�d on the Funds,L�nder shal�n�t b�requued to pay Barr�wer an}� interest or earn�ngs on the Funds. Borrower an�l Lender can agree in writing,hawever,that int�rest shatl be paid on the Funds.Lender sha�l give to Borrower,without charge,an an.nua�accounting of the Funds as required b�RESPA. If there is a sur��us of Funds held ia escraw,as defined under RESPA,Lender sha�l account to Borrovver for the excess funds in accordance with RESPA. If th�re is a shortage of Funds held in escro�v,as defined under RE��'A,Lender shall notify Borro�er as required by RESPA,and Borr��er sha11 pay to Lender the amount neces�ary t�make up the shortage in acc�rdanc�with RE SPA,but in�o�nor�than�2 monthly paym�n�s. If there is a deficiency af Funds held in escrow,as defined under RESPA, Lender sha11 notify Borrawer as requu�d�y RESFA,and�orro�er shall pay to Lender�he amount necessa�-y to make up the deficiency in accardance�vith RESPA,but in no n�.ore than 12 month�y payment�. L�pon payment in fu11 of a11 sums secured by this Security Instrument,Lender sha�l promptly refund to Borrower any Funds held b�Lender. 4. Charges;Li�ns.Borro�ver shal�pay a11�a.xe�, assessments, charge�A fiaes, and�mpositions attributa.ble tv �the Froperty�vhich can att�.in priori�r over this Security Instrument, leasehold payments or ground ren�s on the T�rop�rty, if any,and Community Association Dues,Fees,and Assessments, if any. To the extent that these xtems are Escrow Items,Borrower sha11 pay them in the manner pro��ded in�ection 3. Borrower shatl promptly dis�harge any l�en which has priority over this Security Instrument unless Bo�rrower: �a}ag�re�s in writ�ng to the paym�nt of the obligation secur�d by the 1�en in a mann�r aceeptab�e to Lend�r,but only so long as Borrower is perfornning such agreement;[b}contests the lien in good faith by, or defends against enforcement of the�ien in, lega�proceedings which in Lender's opinion operate to prevent the�nforcement af the lien�uvhile those proc�edings are pending,bu�only unt�l such praceedings are cvncluded;or(c}secures from the ho�der of the lien an agreement satisfactory�o Lender subordina�ing the l�e�.to this Security Instrument. If Lender det�rmines that any part of the Prop�rty is subj ect to a��en�vhich can attain pr�arity aver this Security Instrument,Lender may give Borrotiver a notice�de�tifying the��en. �ithin 1�days af the date on�vhich that notice is given,Borrower sha11 satisfy�he�i�n or take one ar more of the actians set far�h abvve in this Sectian 4. Lender may require Bor�rower to pay a one-time charge for a rea�esta.te tax verification andlor reporting ser�ice used by Lend�r�n connection w�th this Loan. 5. Property lnsurance.B�rrower sha111�e�p�he�mprov�ments no�existing or hereafter erected on the Praperty insured agains�loss by fue,hazards included v�ithin the t�rm"extended coverage,"and any other hazards including,but not limited to, earthquakes and floods,for which Lender requires�n.surance. This insurance sha11 be maintained in the amounts(i�clu�ding deductible 1evels)and far the perivds that Lender requires. V�hat Leader requu'es pursuant to the preceding se��ences can change during the term af the L�an. The�nsurance carrier providing the insurance shall be chosen by Borrower subj ect to Lender's right to disa.pprave Barrower's choice,whi�h right sha�l not be exercised unreasonably. Lender may require Borrower to pay, in connection vvith this Loan,either: (a)a one-t�me charge f�r flvod�on�determinati�n, certifica��on and tracking services;vr(b�a one-time charge for fl�od zone determination and certif�cation NEBRASKA-Single Family-Far�nie AlIaelFreddie Mac LiN�FdRM lNSTRLIMENT WlTH MERS Fvrm 3028 1J�1 VMR� VMPfiA�ME}��342}A4 Vllol�ers Kluwer Financial Seniices Page fi af 17 qD3351?92581 �233 Z65 �617