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shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow
<br />the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law pe
<br />such a charge. Unless an agreement is made in writing or Applicable Law requires interest to
<br />Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower
<br />in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrowe
<br />annual accounting of the Funds as required by RESPA.
<br />If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall ac
<br />the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as d
<br />Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amo
<br />up the shortage in accordance with RESPA, but in no more than 12 monthly payments. If th
<br />Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by
<br />shall pay to Lender the amount necessary to make up the deficiency in accordance with RESP
<br />12 monthly payments.
<br />Upon payment in full of all sums secured by this Security Instrument, Lender shall prompt
<br />any Funds held by Lender.
<br />4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impo
<br />the Property which can attain priority over this Security Instrument, leasehold payments or
<br />Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the e
<br />are Escrow Items, Borrower shall pay them in the manner provided in Section 3.
<br />Borrower shall promptly discharge any lien which has priority over this Security Instrum
<br />(a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptabl
<br />so long as Borrower is performing such agreement; (b) contests the lien in good faith by
<br />enforcement of the lien in, legal proceedings which in Lender' s opinion operate to prevent the e
<br />while those proceedings are pending, but only until such proceedings are concluded; or (c) sec
<br />of the lien an agreement satisfactory to Lender subordinating the lien to this Security Ins
<br />determines that any part of the Property is subject to a lien which can attain priority over this
<br />Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which
<br />Borrower shall satisfy the lien or take one or more of the actions set forth above in this Sectio
<br />Lender may require Borrower to pay a one -time charge for a real estate tax verification an
<br />used by Lender in connection with this Loan.
<br />5. Property Insurance. Borrower shall keep the improvements now existing or here
<br />Property insured against loss by fire, hazards included within the term "extended coverage," a
<br />including, but not limited to, earthquakes and floods, for which Lender requires insurance.
<br />maintained in the amounts (including deductible levels) and for the periods that Lender req
<br />requires pursuant to the preceding sentences can change during the term of the Loan. The insura
<br />the insurance shall be chosen by Borrower subject to Lender' s right to disapprove Borrower' s cho
<br />not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Lo
<br />time charge for flood zone determination, certification and tracking services; or (b) a one -time
<br />determination and certification services and subsequent charges each time remappings or similar
<br />reasonably might affect such determination or certification. Borrower shall also be responsibl
<br />any fees imposed by the Federal Emergency Management Agency in connection with the revie
<br />determination resulting from an objection by Borrower.
<br />If Borrower fails to maintain any of the coverages described above, Lender may obtain in
<br />Lender' s option and Borrower' s expense. Lender is under no obligation to purchase any parti
<br />of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Bo
<br />equity in the Property, or the contents of the Property, against any risk, hazard or liability and
<br />or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the in
<br />obtained might significantly exceed the cost of insurance that Borrower could have obtained. An
<br />by Lender under this Section 5 shall become additional debt of Borrower secured by this Securi
<br />NEBRASKA — Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT
<br />Form 3028 1/01 Page 5 of 14
<br />201703445
<br />account, or verifying
<br />its Lender to make
<br />e paid on the Funds,
<br />and Lender can agree
<br />, without charge, an
<br />ount to Borrower for
<br />fined under RESPA,
<br />nt necessary to make
<br />re is a deficiency of
<br />SPA, and Borrower
<br />but in no more than
<br />y refund to Borrower
<br />itions attributable to
<br />ground rents on the
<br />tent that these items
<br />nt unless Borrower:
<br />to Lender, but only
<br />or defends against
<br />forcement of the lien
<br />es from the holder
<br />rument. If Lender
<br />ecurity Instrument,
<br />that notice is given,
<br />4.
<br />or reporting service
<br />fter erected on the
<br />d any other hazards
<br />is insurance shall be
<br />ires. What Lender
<br />ce carrier providing
<br />ce, which right shall
<br />n, either: (a) a one -
<br />arge for flood zone
<br />hanges occur which
<br />for the payment of
<br />of any flood zone
<br />urance coverage, at
<br />ular type or amount
<br />rower, Borrower' s
<br />ight provide greater
<br />urance coverage so
<br />amounts disbursed
<br />Instrument. These
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