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The Funds sha�I be held xn an institution whase dep�sits are insured by a federal agen.cy, igstrumentat�t�,ar
<br /> entity�including Lender, if Lender is an institu�ion�vhose deposit�are so insured}or in any Federal Home
<br /> I�oan Barik. Lend�r s�ali appl�the�unds to pay the Escrow Items no later than the time specified ur�der
<br /> RESPA. Lender shall not charge Bo�'rower for holding and app�ying the Funds,annually anal�zin�;the
<br /> escraw account,or verifying the E�cr��r Items,unless L.ender pays Borrower interest on the Fuads and
<br /> �pplicable Law permits Lend�r to make such a eharge. Unless an agreement is made in writing or
<br /> �pplicable Law re�uires interest to�e paid on the�unds,Lender sha��not be required to pay Borro�er any
<br /> inter�st or earnings on the Funds. Barrower and Lender can agree in wri�ing,howeWer,�hat interest shall be
<br /> gaid on the Funds. Lender shall gi�e to�orrower,withou�charge, an annuai accounting of the Funds as
<br /> required by RESPA.
<br /> If there is a surplus of Funds h�ld in escro�v,as de�ned under R�SPA, Lender sha11 aceount to Borrower for
<br /> the ex�ess funds in accardance w��h RESPA. If there is a shortage of Funds held in escrotiv, as defined under
<br /> RESPA,Lender shall no�i fy Borrower as requ�red by RE SPA,and Borrower shall pay to Lender the amount
<br /> necessary to make up the shortage in accordance with RESpA,but in no rnore than �2 monthly payments, If
<br /> there is a deficYeney af Funds held in escrow,as d�f ned under RESPA, Lend�r shall notify Borrower as
<br /> required by RESPA,and Borrawer shail pay to Lender the amount�ecessary to make up the deficier�cy�n
<br /> ac�ordance wzth RESPA,but in no more than 1�monthly payments.
<br /> Upon payment in fu11 of al�surns secured by this Security Instrument,Lender shall promptly refund to
<br /> Borrower any Funds he�d by Lender.
<br /> 4. Charges;Liens.Barrawer shal�pay all taxes,assessments,charge�, f�nes, and irnposit�ons attrib�tabl�to
<br /> the Praperty which can attain priorit�over this Security Instrument, leasehold payments or graund rents on
<br /> the Propert�, ��an�,and�ommunity Ass�ciati�r�Dues, Fe�s, and Assessments,if at�y.To the extent that
<br /> these items ar�EsGraw Items, Borrower sha11 pay them in�he manner provided in Seetion 3.
<br /> Borrower shall promptly discharge any lien which has pr�ority over this Security Instrument unless
<br /> Barrower; �a}agrees in writing to the payment of the abligation secured by the l�en in a manner acceptab�e
<br /> to Lender,but only so �ong as Borro�rer Ys perform�ng such agreemen�;(b}contests the lien in good fa�th by,
<br /> or defends against enforc�ment of the�ien in, legal proceedYngs v�hich in L�nde�'s opinia�.operate tn prevent
<br /> the enforcement of�he lien�vhile those proceedin�s a.re pending,but only u�til such proceedings are
<br /> conc�udeda or�c}secures from�he halder of the lien an agreement satisfactory ta Lender subardinating the
<br /> lien to this Se�urity Instrumen�. if Lender deterrnines that any part of the Propert��s subject to a lien which
<br /> can atta�n priority Qver this Security Instrument,Lender may give Borrower a natic�identifying the lien.
<br /> �ithin 10 days af the da�e on which that notice is given, Borra�ver sha11 satisfy the lien or ta.ke one or more
<br /> of the ac�ions set forth above in this Section 4.
<br /> Lender may requ�re Borr�we�r to�ay a one-time charge for�real estate ta.x ve�ifi�ation andlor reparting
<br /> ser�ice used�y Lender in connection�ith this Loan.
<br /> 5. Prop�erty Insuran�e.Borroti�er shall keep th�improvements naw existing or hereafter erected�n the
<br /> Property fnsured against�oss by f re,ha�ards included within th�term"extended co�rerage,"and any other
<br /> hazards including,but not limited to, earthquakes anc�floods, for which Lender reyuires insurance. This
<br /> insurance shall be maintained in the amounts(ir�cluding deductible Ie�e�s}and for the periods tha�L�nder
<br /> requires. What Lender requires pursuant to the preceding sent�nces can chaage during the term of the Loan.
<br /> The insurance carrier pro�idir��the i�s�rance sha��be chosen by Ba�ov�er su�ject to Lender's right�a
<br /> disapprove Borrawer's choice,which right shall nQt b�exercised ur�reasonably. Lender may require
<br /> Ba�ro�er to pay, in conn���ion with this Lo�n, either� �a}a one--time charge fQr f1Q�d zone deterrn�nation,
<br /> certification and tracking ser�ices;or(b}a one-time charge for flood zone determination and certification
<br /> NEBRASKA-Single Family-Fanr�ie INaelFreddie Ma�UNIFQRM INSTRLIMENT WITH MERS Form 3D28 1141
<br /> VMP� V4NP6A[3,1E}[13a2}.�
<br /> Wolters Kluwer FFnanciaf Senri�es Page 6 of 17
<br /> q�33713�7C37 �233 358 4617
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