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2� 1 ��7�78
<br /> The Fund�sha11 be held in an institution whase deposits are insured�y a federal agency, instrumentality,�r
<br /> entity(including Lender, if Lender is an institution whose deposits are so insured}or in any Federa�Hame
<br /> Loan Bank. I�ender shall a�ply the Funds to pay the Escrow I�ems no later than the time specif ed under
<br /> RESPA. Lender sha11 not charge Borrower�'�r holding and applying the Fund�,aianually analyzing the
<br /> e�crovv accaunt,or verifying the Escrow Items,unless Lender pays Borrower interest�n the Funds and
<br /> App�ic�.b�e Lativ perm�ts Lenc�er to nnake such a charge. Un�ess a�.agreement�s rnade xn wr�t�ng or
<br /> AppliGable Law requires interest�o be paid on the Funds,Lender sha11 not be required ta pay Borrower any
<br /> int�rest ar earning�on the Funds. Bonawer and L�nder�an agree in writing,hawever,that interest�ha11 b�
<br /> paid an the Funds. Lender�ha�i gi�e to Borrower,without charg�,an annua�accounting of the Funds as
<br /> r�quired by RESPA.
<br /> �f there�s a surp�us of Funds he�d�n escro�v, as de�ned under 1�SPA,I.fen�er shall a�count to Borr�wer for
<br /> the excess funds ir�accorda.nce tivith RESFA. If there is a shor�a�e of Funds held in escraw,as defined under
<br /> RESFA, Lender sha11 n�tify Borrower as required by RESPA,and Borro�er sha11 pay to Lender the amount
<br /> necessary to make up the shortage in aCcardance with RESPAA but in n�more than ��mo�th�y pa�ments. �f
<br /> there i�a deficiency of Funds held in escrow,as defin�d under RESPA,Lender shall notify B�nawer as
<br /> required�y RESPA,and Borrower shall pay to Lender the amount necessary to make up the deficiency in
<br /> accordance with RESPA,but in no rriore than �2 manth�y payrnents.
<br /> LJpan payment in fu11�f all sums s�cured by�his Security Instrument,Lender shall prampt�y refund to
<br /> Bvrrower any Funds he�d by Lender.
<br /> 4. �har�es;Liens.Borrawer shall pay a��taxes, assessm�nts,charges, fines, ant�xmpas�tians attr�bUtab�e t4
<br /> the Propexty which can attain priority o�er this Security Instrument, leasehold payments or gr�und rents on
<br /> the Prap�rty, if any,and Community Association Dues,Fee�,and Assessments, if any. To the extent that
<br /> these items are Escrow Items,$orr�wer shall pay th�m in the mar�ner provided in Section 3,
<br /> B�r�rower sha�1 promptly di�ch�rge any lien which has priority over this Security Instrument uniess
<br /> Borrower: (a}agrees�n�vr�t�r�g to the payme�t af th�ob��gat�on secured�y the���n�n a manner acceptable
<br /> to Lender,but anly so long as Borrawer is performing such agreem�nt; (b}c�ntests t}ae lien in good faith by,
<br /> or defends against enf�rcement of the lien in, 1ega1 proceedings which in Lender's opinion operate to prevent
<br /> the enforcement of the lien whi�e�hos�proceedings are pending,but an�y unti�such proeee��ngs are
<br /> �onc�uded;or(c}secures from the holder of the lien an agreernent sa��sfactory to Lender subordinating the
<br /> lien to th�s Security Instrument. If Lender determines that any part of the Prapert�r is subj ect to a lien which
<br /> can attain priority o�er this Securi�y Instrument,Lender may give Barrower a nntice iden�ify�ng the ti�n.
<br /> �ithin �4 da�s af the d�.te on whxch�hat not�ce rs g��en, BQrrower sha��sa.t�sf�the���n or take one ar more
<br /> Qf the ac�ions set forth above in this Sectian 4.
<br /> Lender may require Borrower to pay a one-time charge for a r�al estate#ax�erification andlor rep�rting
<br /> service used by L�nd�r in connection v�r��h this Loan.
<br /> 5. P ro perty I n s u rarrc�,Borrower shall ke�p the improvements now existing or hereai�er erected on th�
<br /> Prop�rty insu�red against loss by fire,hazards in��uded�ithin the term"extended coverage,"and any other
<br /> ha�ards includin.g,but nvt��mxted to, earth�uake�and floods, for wh�ch Lender r�quire�insuran�e. This
<br /> ir�surance sha11 be maintained in the amounts(including deductible le�e�s}and far�he periods that Lender
<br /> requires. What Lendex requires pursuant to the pre�eding sentences can change during the term of the Loan.
<br /> �'he insurance canier pro�iding the in�urance sha��be chosen by Bvr�-otiver subject t�Lender's right ta
<br /> disapprov�Borro�rer'�cha��e,which right sha11 not be exercised unreasonably. Lend�r may require
<br /> �orrower to pay, in conn.ection with this Loan, either: �a}a one-time charge for flood zone determination,
<br /> certi�"ication and tracking�er�ices;or(b�a one-time charge for#Iood zone det�rmination and certification
<br /> NEBRASKA�ingle Family-Fannie MaefFreddie Mac UNiF�RM INSTRUMENT WITH MERS Form 3�26"�101
<br /> VMP� VMPBA�NE}(93D2].DD
<br /> Wolters Kiuwer Financiai Services Page fi of 17
<br /> q�33�1z17653 0233 674 0617
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