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2� 17�� 145
<br /> sha�l not charge Borrower fo� holding and applyin� the Funds, annually analyz�ng the escraw account, or �erifyin�
<br /> the Escrow Items, un�e�s Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make
<br /> such a charge. Unles�dn a�r�ement is made in writing or Applicable Law requires intere5t to be pa�d on th�Funds,
<br /> Lender shal] not be required to pay B�rrower any interest or earnings on the Funds. Borrower and Lender can agree
<br /> in writin�, h��we�er, that interest sha�l be paid �n [he Funds. Lender shall gi�e to Barrower, without char�e, an
<br /> annual accountin�c�f'the Funds as required by I�ESPA.
<br /> If there i� a surplus of Funds held in escrc�w, as de�ned under RESP�, Lender sha�l a�;count to Borrower f�r
<br /> the exc�ss funds in accardance with RESF'A. If there is a s��rrage❑�Funds held in escrow, as d�fined under RESPA,
<br /> �_ender shal� notify F3or�ower as r�quired by RESPA, and �3orrnwer sha��pay to Lender�he amount necessary to make
<br /> up the shnrta�e in accordance with FtE5PA, but in no m�re thaY� �2 monthly payments. If there is a def�ciency of
<br /> Funds held ir�e5ci�ow, as defined under RESPA, Lender shall notify F3orrower as required by RESPA, and Borrow�r
<br /> shall pay to Lender the amc�unt necessary to make up the deficiency in accordance with RFSPA, but in no more than
<br /> l2 monthly paymen�s.
<br /> Up�n payment in ful�of all sums secured by this 5ecurity Instrument, Lender shall prornpt�y refund to Borr�wer
<br /> any Funds he�d by Lender.
<br /> 4. Charges; Liens. B�rrower shall pay all tax�s, assessments, charges, fines, and impositians attributable to
<br /> the Prnperty which can attain priority o�er this Security Instrument, leasehold payments ar �;round rents on the
<br /> Property, zf any, and �ommuni�y Assaciation Dues, Fees, and Assessments, if any. To the extent that these items
<br /> are Escrow Items, Borrower shall pay them in the manner pro�ided in Section 3.
<br /> Borrower shalt prc�mptly discharge any lien which has priority o�er this 5ecurity Instrument unless Borrovver:
<br /> �a} agrees in writing zo the payment of the�bligation secured by the lien in a manner acceptable to Llender, but only �
<br /> So long as Borrower is p�rfUrming such agreement; �b} contests the 1 ien in good faith by, or defends against
<br /> enfo�-cement of the lien in, lega� proceedin�s which in Lender's opini��n npei•ate to pre�ent the enforcement of the lien
<br /> while those proceedings are pending, but only until such proceedings are conc�ud�d; or �c} secures from the holder
<br /> of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. Yf Lender
<br /> determines �ha� any part of the Property is subject to a lien which can attain priority o�er this Security Instrument,
<br /> Lender may �i�e Borrower a notice identifying the lien. Within 1� days c�f�he dat�an which that notice is gi�en,
<br /> Bnrrower sha11 satisfy the �ien or take on�or more af the actinns set forth abo�� in this Section 4.
<br /> Lender may re�uire Bc�i-rower ta pay a one-time charge for a rea�estate tax �erifi�ation andlor reporting ser�ice
<br /> used by Lend�r in connection with this Loan.
<br /> 5. Property Insurance. Borrower sha�l keep the impro�ements now existing or hereafter erected on the
<br /> Property insur�d a�ainst �oss by f�re, hazards inc�uded within the term "ex�ended co�erage," and any�ther hazards
<br /> includin�, but not limited to, earthquak�s and flnods, for which Lender requires insurance. This insurance shall be
<br /> maintained in the amounts �inc�uding deductib�e levels} and for the periods that Lender requires. VVhat Lender
<br /> requires pui-suant to the preceding sentences can change durin�the term of the Loan. The insurance carrier pro�iding
<br /> the insurance shall be�hosen by Boi•rower subject to Lender's right�o disappro�e Borrower's choice, which right shall
<br /> not be exercised�inreasonab�y. Lender may require Borrower to pay, in connection with this Loan, either: �a}a one-
<br /> �ime charge fo�- flo�d zone d�termination, certificatian and tracking ser�ices;or (b} a one-time charge for flood zone
<br /> determination and�ertifica�ion ser�ices and subsequent charges each time remappings or similar changes�ccur which
<br /> reasonab�y migh� affect such determination or certification. Boz-x•ower shall also be responsible for the payment af
<br /> any fees imposed by the Federal Emergency Management A�ency in connection with the re�iew af any flood zone
<br /> determinat�on resulting from an objection �y Borrower.
<br /> If B�rrower fails to maintain any of�he co�erages deseribed abo�e, Lender may ab�ain insurance coverage, at
<br /> Len�er's option and Bc�rrower's expense. Lender �s under no ob�iga�ion �o purchase any particular type ar amaunt
<br /> of c;o�erage. Therefore, such co�erage shall co�er Lender, but might or might nat prot�ct Barr�wei•, B�rrawer's
<br /> equity in the Propei��y, or the contents of the Property, against any risk, hazard❑r liabil ity and might pro�ide�reater
<br /> or IeSser co�erage than was pre�iously in effect. Borrower acknowiedges that the cnst of the insurance co�erage so
<br /> nbtained mi�ht sign�ficantly exceed the cost of insurance that�3orrflwer cau�d have abtained. Any amounts disbursed
<br /> by Lender under this Section 5 shall become additional debt�f Borrower secured by this Securrty Instrument. These
<br /> NEBRASKA--Single Family--Fannie MaelFreddie Mac UNIFORM 1NSTRUMENT ���a��
<br /> Form 3028 110� Page 5 af 14 www,docmagrc.com
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