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2� 1 ��8�39
<br /> The I'unds sha11�ae he�d in an inst�tution tivhase deposits ar�insured by a federal agency, instrumentality,or
<br /> entity(including Lender,if Lender is an inst�tution whose depasits are so insured}Qr in any Federal H�me
<br /> Loan Bank.Lender shalt apply the Funds to pay the Escraw Ztems no�ater than the time specified under
<br /> RESpA. Lender sha11 not charge Borrot�ver for holding and applying the Funds,annually analyzing the
<br /> escro�v account,or verif�ring the Escrow I�ems,unless Lender pays Borrower interest on�he Funds and
<br /> Applicable Law permit�Lender to make such a charge.Unless an agreement is made in�vriting or
<br /> Appli�able Law requires interest to be paid on th�Funds,L�nder shall not be required to pay Barrower any
<br /> interest or earnings on the Funds.Borrovver and Lender can agree in writing,howe��r,tha�interest shatl be
<br /> paid�n the Funds. Lender shall give to Borro�ver,wifhout char�e,an annual accaunting of the Funds as
<br /> required by RESPA.
<br /> If ther�is a�urplus of Funds held in escr�w,as defined under RESpA,Lender sh�l�ac�aunt to Borrower far
<br /> the excess funds in accordance with RESPA, If there is a shortage of Funds held in escraw,as defined under
<br /> RESPA,Lender shall notify Borrower as requ�red by RESPA,and Borra�ver sha�l pay to Lender the amoun�
<br /> necessary ta make up the shortage in accordance with RESPA,but in no more than �2 monthly payments. If
<br /> there is a deficiency of Funds held in escrow,as def ned under RESPA,Lender shall notify Borr�wer as
<br /> required by RESPA,and Borrower shall pay to Lender the amount necessary to make up the deficiency in
<br /> accordance with RESPA,but in no more than �2 monthly payments.
<br /> Upon payment in full of all sums secured b�this Security Instrument�Lender shal�promptly refund to
<br /> Barrower any Funds held by Lender.
<br /> 4. �harges;Liens.�onower shall pay a11 taxes, assessments, charges, fines, and impositions attributabl�to
<br /> the Property which can atta.in priarity o�er this Security Instrument, leasehold payments or ground rents on
<br /> the Property, if any,and Community Assaciation Dues,Fees,and Assessments, if any.To the extent�hat
<br /> these items are Escrow Items,Borrower shall pay them in the manner pravided in Sectian 3.
<br /> Borro�er sha1�prampt�y discharge any lien which has priority o�ver this Security Instrument unless
<br /> Borrovver. (a)agrees in�riting to the payment�f the ob�igation secured by the lien in a mann�r acceptable
<br /> to Lender,bu�oniy sa long as�orra�er is performing such agreement;(b}contests the lien in good faith by,
<br /> ar defends agains�enfarcemen�of the lien in, legal proceedings which in Lender`s opinion aperate��prevent
<br /> the enforcernent of the lien while those prac�edings are pending,but only until such proceedings are
<br /> concluded;or�c)secures from�he holder af the lien an agreement satisfactory to Lender subordinating the
<br /> lien to this�ecurity Instrument. If Lender de�ermines that any part of the Property is subject to a lien�hich
<br /> can attain priority over this Security Instrument,Lender may give Borrower a notice identifyin�the 1ien.
<br /> �Vithin ��days of tbe date on vvhich that notice is given,Borrower shall satisfy the lien or take one ar mare
<br /> of the actions set forth aba�e in this Section 4.
<br /> Lender may reyuire Borrawer to pay a oneWtime charge for a rea�estate ta.x verification andlor reporting
<br /> service used by Lender in connection with this Loan,
<br /> 5. Prv pe rty I n s u ran ce.Borrower sha11 ke ep the�mpro�ements now exi�ting or hereaf�er erected on the
<br /> Proper�y insured against l�ss by fire, hazards included within the term"extended c�verage,"and any a�her
<br /> hazards including,but not�imited to,earthquakes and floods, for which Lender requires insurance.This
<br /> insuranc�shail be maintained in the amounts�including deductible le�e1�}and for the periads that Leader
<br /> requires. What Lender requires pursuant to the prec�ding senten�es can change during the ter�n af the Loan.
<br /> The insurance earrier praviding the insurance shal�be chosen by Barra�ver subjec�to Lender's right�o
<br /> disapprove Borrower's choice,which right shall not be exercised unr�asonably. Lender may require
<br /> $orro�ver to pay, in connecti�n with this Loar�,ei�her; (a)a�ne-time charge for flood zone de�ermination,
<br /> certifi�ation and tra�king services;or(b�a ane-time charge f�r flood zone determinatian and certification
<br /> NEBRASKA�ingle Famify-Fannie MaelFreddie Mac�NIF�RM INSTRUMENT WITH MERS Form 3��8 11�1
<br /> VMP� VMPBA(NE}(13Q2}.Q4
<br /> Wolters Kluwer Financiai Services Page 8 af 17
<br /> q�33G5595817 4233 4G �617
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