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<br /> shall not charge Borrower for holding and applying the Funds, annually analyzing the escraw account, ar verifying
<br /> the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make
<br /> such a charge. Uniess an agreement is made in writing ar Applicable Law requires interest to be paid nn the Funds,
<br /> Lender shail nat be required to pay Borrower any interest or earnings on the Funds. Borrovver and Lender can agree
<br /> in writing, hawever, that interest shall be paid on the F unds. Lender shall give to Borrower, without chaxge, an
<br /> annual accounting of�he Funds as required by�tESPA.
<br /> If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall ac�ou.nt to Borrovver for
<br /> th�excess funds in accardance with RESPA. If there is a shartage of Funds held in escrow, as def ned under RESPA,
<br /> Lender shal�no�ify Borrower as required by RESPA, and Borrower shal�pay to Lender the amount necessary to make
<br /> up the shortage in accordance with RESPA, but in no mare than 12 monthly payments. If there is a def ciency of
<br /> Funds held in escrav►l,as defined under RESPA, Lender shall no�ify Borrawer as r�quired by RESPA, and Borrower
<br /> shall pay to Lender the amount necessary to make up the deficiency in accardance with RESPA, bu�in no more than
<br /> 12 monthly paym�nts.
<br /> Upon payment in full of a11 sums secured by this Security Instrument, Lender shall pramptly refund t�Borrower
<br /> any F unds held by L ender.
<br /> 4. Charges;Liens. Borrower sha1l pay all taxes, assessments, charges, f nes, and impositions a�tributable to
<br /> the Property which can attain priarrty over this Security Instrument, leasehold payments or graund rents an the
<br /> Property, if any, and�ommunity Assaciatian Dues, Fees, and Assessments, if any. To the extent that these items
<br /> are Escrow It�ms, Borro�wer sha�l pay them in the manner pro�ided in Section 3.
<br /> Borrower shall pramptly discharge any lien which has priority over this Security Instrument uniess Barrower:
<br /> �a}agrees in writing ta the payment of the obligation secured by the Iien�n a manner acceptable to Lender, but only
<br /> so long as Barrovrrer is performing such agreement; �b} contests the �ien in good faith by, or defends against
<br /> enforcement af the lien in, legal proceedings which in Lender's opinion aperate to prevent the�nforcement of�he lien
<br /> while those praceedings are pending, bu�only until such proceedings are cancluded; or �c} secures from the ho�der
<br /> of the �ren an agreement satisfactory ta Lender subordinating the lien ta this Security Ins�rument. If Lender
<br /> determines that any part of the Property is subject to a lien which can attain priority over this Security Instrumen�,
<br /> Lender may give Borrower a na�xce identifying the lien. ��thin l.� days of�he date on which that notice is gi�en,
<br /> Borrower shall sa�isfy the lien or ta�e one or more of th�ac�ions set forth abave in this Section 4.
<br /> Lender may require Barrower to pay a one-�ime charge far a real estate tax�erification andlor repor�rng s�rvice
<br /> used by Lender in connec�ion with this Loan.
<br /> 5. Property Insurance. Barrower shal� keep the impro�ements now exis�ing or hereaf�er erected fln the
<br /> Property insured again�t loss by fire, hazards included within�he term"extended co�erage," and any oth�r hazards
<br /> including, but nat limited to, earthquakes and floods, for which Lender requires insurance. This insurance shail be
<br /> maintained in the amounts �includ�ng deduc�ible �evels� and for the p�riods that Lender requ�res. What Lender
<br /> requires pursuant ta the preceding sentences�an change during the term of the Laan. The insurance carrier praviding
<br /> the insurance shall be chosen by B�rrower subject to Lender's right ta drsapprave�arrower's choice,v►lhich right shall
<br /> not be exerc�sed unreasonahly. Lender may require Borrower ta pay,in connection with this Loan, either: �a)a one-
<br /> time charge for fl�ad znne determination, certif cation and tracl�ing ser�ices;or�b}a one-time charge for flood zone
<br /> de�errnination and certification ser�ices and subsequent charges each time remappings or s�milar changes occur which
<br /> reasonably migh� affect such de�ermination or certif catian. Borrawer shall also be responsible far the payment af
<br /> any fees�mposed by the Federai Emergency Management Agency in�onnection with the review of any flood zone
<br /> determination resultxng from an�bjection by Barrovver.
<br /> If Borrower fails to maintain any of the co�erages described abvve, Lender may obtain insurance coverage, at
<br /> Lender's option and B�rrower's expense. Lender is under no obligation to purchas�any particular type ar amount
<br /> �f co�erage. Therefore, such coverage shall cover Len�ier, but might or might not protect Barrawer, Borrawer's
<br /> equity in the Property, o�r the contents of the Property, agains�any xisk, hazard ar liability and might provide greater
<br /> or lesser�overage�han was pre�iausiy in effect. Barrower acknawledges that the cast of the insurance coverage so
<br /> obtained might significantly exceed the cost af insurance that Barrower could have obtained. Any amounts disbursed
<br /> by Lender under this Section 5 shall becorne addi�ional debt af Barrvwer secured by this Securi�ty Instru.ment. These
<br /> NEBRASKA-Single Family--Fannie Ma�IFreddie IVlac UNIF�RM iNSTRUMENT p������c�
<br /> Form 3028 �101 Page 5 of �4 www.dacmagic.cnm
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