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2� 17�2359
<br /> The Funds shall be held in an institution whose depvsits are insured by a federal agency, instrumentality, or
<br /> entity �includ�ng Lender, if Lender is an instituti�n whose deposits are sa insured}or in any Federal H�me
<br /> Loan Bank. Lender sha11 apply�he F unds to pay the Escraw Items no later than the time specified under
<br /> RESPA. Lender shall not charge Borrow�r for holding and applying the Funds, annually analyzing the
<br /> escr�w a�count, or��rifying the Escrow Items, unless Lender pays Borrower interest nn the Funds and
<br /> Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or
<br /> Applicabl� Law requires interes�ta be paid on the Funds, Lender shai�not be reQuired to pay Barrower any
<br /> interest or earnings an the Funds. Borrower and Lender can agree in writing, haw��er, that int�rest sha11 be
<br /> paid an the F unds. Lender shall give to Borrawer, w�thout charge, an annual accounting of the F unds as
<br /> required hy RESPA.
<br /> If there is a surplus of Funds held in escrow, as defined under RESPA, Lender sha11 accaunt t�Barrower far
<br /> the excess funds in accordance with RESPA. If there is a shortage of Funds held in escr�w, as defined under
<br /> RESPA, Lender shall notify Borrower as requ�r�d by RESPA, and Barrower shal�pay to Lender the amount
<br /> necessary to make up the shortage in acc�rdan�e with RESPA, but in no more than 12 month�y payments. If
<br /> ther� is a deficiency of Funds h�ld in escrow, as defined under RESPA, Lender shalt notify Borrower as
<br /> required by RESPA, and Borrower shall pay to Lender the amount ne�essary to make up the defciency in
<br /> accardance with RESPA, but in no mor�than 1� monthly payments.
<br /> Upon payment in full of all sums secured by this Se�urity Instrument, Lender shall pramptly refund ta
<br /> Borrawer any Funds held by Lender.
<br /> 4. Charges; Liens. Barrower shall pay a11 taxes, assessments, �harges, fines, and impasitions attributable to
<br /> the Property which can at�ain priority o�er this Security Instrument, leasehoid payments or ground rents on
<br /> the Property, if any, and�ommunity Assacia�ian Dues, Fees, and Assessments, if any. Ta the extent that
<br /> these items are Escrow Items, Borrower shall pay them in the manner pro�id�d in Section 3.
<br /> Borrower shall promptly discharge any lien which has priority u�er this Security Instrum�nt unless
<br /> Borrower: �a�agrees in writing to the payment of the obligation secured by the 1�en in a manner acceptable
<br /> to Lender, but only so long as Borrower is perfvrming such agreement; �b}contests the lien in good fai�h by,
<br /> ar defends against enforcement af the lien in, legal proceedings which in Lender's opinion operate to pre�ent
<br /> the enforcement of the lien while those praceed�ngs are pending, but anly until such proceedings are
<br /> cancluded; �r tc}secur�s from the holder of the lien an agreement satisfactory to Lender subordinating the
<br /> lien ta this Security Instrument. If Lender determines that any part af the Property is subject to a lien which
<br /> can attain priarity o�er�his S�curity Instrument, Lender may gi�e Borrower a noti�e identifying the 1�en.
<br /> VL�ithin 1� days of the da�e on which that notic� is gi�en, Borrvwer sha�1 satisfy the Iien or take one or mare
<br /> of the actions set farth aba�e in this SectYon 4.
<br /> Lender may require Borrflwer to pay a one-time charge for a real estate tax�erificat�on andlor reporting
<br /> ser�ice used by Lender in�onnecti�n with this Loan.
<br /> 5. Property �nsurance. Barrower shall keep the impro�ements now exist�ng or hereafter erected on the
<br /> Properry insured agains� lass by fir�, hazards included within the term "extended ca�erage," and any other
<br /> hazards inc�uding, but not limited to, earthquakes and floods, far which Lender requires insurance, This
<br /> insurance shall be maintain�d in the amounts �including deductible le�els�and for the periods that Lender
<br /> requires. What Lender requ�r�s pursuant�o�he preced�ng sentences can change during the term of the Loan.
<br /> The insurance carrier pro�id�ng the insurance shall be chosen by Bnrrower subject to Lender's right to
<br /> disappro�e Borrower's choice, which righ� shal�not be exercised unreasonab�y. Lender may require
<br /> Borr�wer to pay, in connection wi�h this Loan, either: �a}a nn�-t�me charge fvr flood zone determination,
<br /> certification and tracking ser�ices; or�b} a one-time charge for flood zane determination and�er#ification
<br /> E332fiO4�
<br /> NEgRASKA-Single Famify-�annie MaeJFreddie Mac�NIFQRM lNSTRUMENT WITH MERS Farm 3028 1l�1
<br /> VMP VMPEA(NE}�13a2}
<br /> Wolter��s Kluwer Financiai Ser�ices Page fi of 17
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