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2� 1 ��7882
<br /> Th���nds sha��be he�d xn an�nstitut�on�v�.�se d�pos�ts ar���sured�y a federa�agency, instrumentality, vr
<br /> entity�including L�nder, if Lender is an institution whose deposits are so insured}or in any Federal Home
<br /> Loan�ank. Lender sha��app�y the Funds t�pay the Escrow Items nv�ater than the trme sp�ci�ed under
<br /> RESPA. Lender shall not charg�Barrower for holding and applying the Funds,annual�y analy�ing the
<br /> escrow account,or�erifying the Escro�v Items,un.��ss Lender pays�orrower interest on the Funds and
<br /> Applicable Law perr�i�s Lender to make such a charge.Un�ess an agreement is made in v�riting or
<br /> Applicab�e Law requires interest to be paid on the Funds,Lender shali not be required ta pay�orrower any
<br /> interest or eamings on the Fund�. Borrower and�.ender can agree in writing,h�wever,that in�erest shal��e
<br /> paid on the Funds. Lea�der shall give to�3orrower,without charge,an annual accounting of the Funds as
<br /> required by RESPA.
<br /> If there is a surp�us of Funds held in escrow,as defined under RESPA,Lend�r shall accourit ta Borrower for
<br /> the�xcess funds in a�cordance tivith RESPA. If there is a sh�r�age of�unds he�d in escrav�r,as d�f ned und�r
<br /> RESPA,Lender sha11 notify Barrower as required by RESPA,and Borrower sha11 pa�to Lender the amo�nt
<br /> necessary to make up the shortage in aecordance with 1�ESPA,but�n no more than 12 rr�o�thiy payments. If
<br /> there is a deficiency of Funds held in escrow,as defined under R.ESPA,Lender sha�l notify Borrower as
<br /> required by RESPA,and Borrower sha11 pay to Lender the amount nec�ssary to make up the d�ficrency in
<br /> accordance with RE�PA,but in no mor�than 12 monthly payments.
<br /> Upan payment in fu11 of a11 sums secured by this S�curity Ins�rument,Lender sha11 promptly refund to
<br /> Barrower any Funds held by Lender.
<br /> 4. Char�ges;Liens.Borro�ver sha��pa�a��t�xes, assessme�.�s, charg�s, fines, and imposit�ons attributable�o
<br /> the Praperty�uhich can at�.in priority aver this Security Instrument, leasehold payments or ground rents on
<br /> t�e Property, if any,and�ommunity Assacia����I�ues, Fee�,and Assessments, if any. To�he extent that
<br /> these items are Escrow Items,Borrower sha11 pa�them in the ma�ner pro�ided in Section 3.
<br /> Borrower sha11 promp�ly discharge any lien which has priorit}�o�er this Secu.rity Instrument un�ess
<br /> Borrow�r: (a)agrees in�vr�ting to the payment�f the obligation secured by the lien in a man.ner accep#able
<br /> to Lender,but only so long as Borrower is p�rforming such agreem�nt; (b}cantests th�lien in good faith by,
<br /> or defends aga�ns��nforcem���of the�ien�n, legal proceedings which in.Lend�r's opinion operate to prevent
<br /> the enforcement af the lien while those prviceedings are pending,but only until su�h proceedings are
<br /> conc�uded;or(c)secures frdm the ho�der o�the�Yen an agreeme�t sat�sfactor3r to Len.der subv�d�nat�ng t�e
<br /> lien to this Security Instrument. If Le�der determine�that any part of the Property is�ubj ect to a lien whxch
<br /> can attain pri�rity aver t�►�s Secur�ty Instrument,�ender may gi���orrotiver a n�tY�e xder�t���ng the��en,
<br /> Within 1�days of the date on which that notice is given,Borrower shal�satisfy the�ien or take one or more
<br /> of the actions set forth abave in this Sec�ion 4.
<br /> �.ender may re�uire Borro�er to pa�a one-t�me charge for a real estate t.ax ver�ficatian andJor reporting
<br /> ser�ice used by Lender in connection wi�h this Loan.
<br /> 5. Praperty lnsuranee.Borrower sha11 keep th� improvemeats no�v existing or hereafter erected on the
<br /> Propert�insur�d against loss by f ire,hazards included within the term"exter�ded co�erage,"and any o#her
<br /> hazards including,but not limited to, earthquak�s and floods, for which Lender requires in�urance. This
<br /> insurance shall be ma�ntained�n the amounts(including deductible levels)a�xd for the periads that�,ender
<br /> requu'es.VL�hat Lender requires pu�rsuant to the preceding sentences can change during the term of the Loan.
<br /> The�nsurance�arr�e�prov�dir�.g��e�nsu�anc��hall be chosen by Borrotiver subj�ct to Lender's right ta
<br /> disapprove Borrower's choice,which right sha11 not be exercised unreasonab��. Lender may require
<br /> ]3orrawer to pay, in cannectian�ith th�s Loan, either: �a�a one-t�me charge for flood zane determina�ion,
<br /> cert�fication and tracking ser�ices;or(b}a one-time charge for flood zone determination and cer�ification
<br /> NEBRAS�CA-Singie Family-Fannie MaelFreddie Mac UNIFaRM INSTRUMENT WiTH MERS Form 342$114�
<br /> VMP� VAAPBA�NE}(4342}.4U
<br /> Wolt�rs Kluwer Finan�ial 5ervices Page 6 af 1�
<br /> q�3364895414 0�33 345 4517
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