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<br /> � 2� 17��278
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<br /> un�ess Lender pays Barrower interest on the Funds and Applicable Law permits Lender to make such a char�e.Unless an
<br /> agreement is made in writing or Appl icahle Law requires interest to be paid�n#he Funds,Lender shal�nat be required ta
<br /> pay Borrawer any interest or earnings an the Funds. Barrawer and Lender can agree in�vriting,howe�er,that interest
<br /> sha�i be paid on the Funds.Lender sh�l�gi�e to Borrower,without charge,an annual accaunt�ng of the Funds as requ�red
<br /> by RESPA.
<br /> �f there is a surplus of Funds held in escraw,as defined under RESPA,Lender shall accoun#to Borrower for the
<br /> excess funds in accnrdance with RESPA.If there is a shortage af Funds held in escrow,as defined under RESPA,Lender
<br /> shall notify Borrower as required by RESPA,and Borrower shall pay to Lend�r the amount necessary t�make up the
<br /> shorkage in accordance with RESPA,but in no more than 12 monthly payments.Ifthere is a deficiency afFunds held in �
<br /> escrow,as defined under RESPA,L�r�der shall notify Borrower as required by RESPA,and Borrower shatl pay#a Lender
<br /> the amount necessary to make up the deficiency in accardance with RESPA,but in n�more than 1�month�y payments.
<br /> Upan payment in full of al l sums secured hy this Security Instrument,Lender shall promptly refund to Borrawer any
<br /> Funds he�d by Lender.
<br /> 4.Charges; Liens. Borrower shall pay all taxes, assessments,charges,fines,and impositions attributable to the
<br /> Froperty which can attain priority over this Security Instrument,leasehold payments or ground rents on the Proper#y,if
<br /> any,and�ommunity Association Dues,Fees,and Assessments,if any.To the extent that these items are Escraw Items,
<br /> Borrower shall pay them in the manner pro�ided in Section 3.
<br /> Borrower shall promptly discharge any lien which has priarity o�er this Se�urity Instrument unless Borrower:
<br /> �a}agrees in writing to the payment of the abligation secured by the li�n in a manner acceptabie to Lender,but only so
<br /> long as Borrower is performing such agreement;�b}cantests the lien in good faith by,or defends against enfarcemen#of
<br /> #h� lien in, legal proceedings which in Lender's opinion operate to pre�ent the enforcement of the lien v►+hi�e those
<br /> praceedings are pending,but onl� until such proceedings are conciuded;or�c}secures fram the holder of the lien an
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<br /> agreement satisfactory to Lender subordinating the lien to this 5ecurity Instrument.If L�nder determines#hat any part of
<br /> �he Property is subject to a lien which can attain priority o�er this Security Instrument,Lender may gi�e B�rrower a
<br /> notice identifying the lien.Within 1�days of the date on which that natice is gi�en,Borrower shall satisfy the lien or take
<br /> one or mare of the actians set farth abo�e in this 5ection 4.
<br /> Lender may require Borrower ta pay a one-time charge for a real estate#ax�eriftcatian andlor reporting service used
<br /> by Lender in cannectivn with this L�an.
<br /> 5.Fraperty Insurance.Borrower shall keep the impro�ements now existing or hereafter erected on th�Property
<br /> insured against loss by fire,hazards�ncluded within the term"extended ca�erage,"and any other hazards including,bu#
<br /> not limited to,ear�hquakes and flaads,for which Lender requires insurance.This insurance shal�be maintained in the
<br /> amounts�including deductible le�els} and for th�periads that Lender requires.�Vhat Lender r�quires pursuant to the
<br /> preceding sentences �an change during the term of the Laan.The insurance carrier pro�rding the insurance shall be
<br /> chosen by Borrow�r subject to Lender's right t� disapprove Borrawe�-'s choice, which right shall not be exercised
<br /> unreasvnably.Lender may require Borrvwer�o pay,in connectian wi�h this Loan,either:(a}a one-time charge for flood
<br /> zone determination, certificatior� and tracking setvic�s; or �b}a one-time charge far flond zane determina#ion and
<br /> certification services and subsequent charges each time remappings or similar changes accur vr�hich reasonably might
<br /> affect such determination ar c�rtificati�n.Barrower shall also be responsible for the payment of any fees imposed by the
<br /> Federal Emergency Management Agency in connection vvith the re�iew of any#�oad zone determination resulting from
<br /> an objection by Borrower. .
<br /> If Borrower fails to maintain any of the �o�erages described abo�e, Lender may obta�n insurance caverage, at
<br /> Lender's option and Bar�owe�'s expense. Lender is under no obligatian to purcha.se any particular type or amaunt of
<br /> co�erage.Therefor�,such co�erage shail cv�er Lender,bu�might ar might nat protect Barrower,Borrov►rer's equi�y in
<br /> the Propet-�y, or the contents af the Property;.�against any risk, hazard or liability and m��ht pro�ide greater or lesser
<br /> co�erag�than was pre�iously in effe�t.Borrower acknowledges that the cost of th�insurance co�erage sa obtakned migh#
<br /> signiftcantly exceed the cost of insurance that Borrower could ha�e obtained.Any amounts disbursed by Lender under
<br /> this Sectian 5 shall hecome additional debt of Borrower secured by this Security Instrument.These amounts shal�bear
<br /> interest at the Note rate from the dat�of disbursement and shall be payable,v►+ith such interest,upan notice fram Lender
<br /> t❑Borrawer requesting payment. .
<br /> NE6RA5KA-5ingle Famify-Fannie MaelFreddie Mac UNlF�RM INSTRUMENT with NiERS Farm 3D28 1l�1
<br /> � Page 5 of 13
<br /> � B�rrower s Initial��
<br /> �DS,Inc.-3a227 � �
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