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202100118 <br />Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow <br />Items or otherwise in accordance with Applicable Law. <br />The Funds shall be held in an institution whose deposits are insured by a federal <br />agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits <br />are so insured) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the <br />Escrow Items no later than the time specified under RESPA. Lender shall not charge Borrower <br />for holding and applying the Funds, annually analyzing the escrow account, or verifying the <br />Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits <br />Lender to make such a charge. Unless an agreement is made in writing or Applicable Law <br />requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any <br />interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that <br />interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual <br />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 <br />account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of <br />Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by <br />RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in <br />accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency <br />of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by <br />RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in <br />accordance with RESPA, but in no more than 12 monthly payments. <br />Upon payment in full of all sums secured by this Security Instrument, Lender shall <br />promptly refund to Borrower any Funds held by Lender. <br />4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and <br />impositions attributable to the Property which can attain priority over this Security Instrument, <br />leasehold payments or ground rents on the Property, if any, and Community Association Dues, <br />Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall <br />pay them in the manner provided in Section 3. <br />Borrower shall promptly discharge any lien which has priority over this Security <br />Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by <br />the lien in a manner acceptable to Lender, but only so long as Borrower is performing such <br />agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, <br />legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while <br />those proceedings are pending, but only until such proceedings are concluded; or (c) secures <br />from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this <br />Security Instrument. If Lender determines that any part of the Property is subject to a lien <br />which can attain priority over this Security Instrument, Lender may give Borrower a notice <br />identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall <br />satisfy the lien or take one or more of the actions set forth above in this Section 4. <br />Lender may require Borrower to pay a one-time charge for a real estate tax verification <br />and/or reporting service used by Lender in connection with this Loan. <br />5. Property Insurance. Borrower shall keep the improvements now existing or <br />hereafter erected on the Property insured against loss by fire, hazards included within the term <br />"extended coverage," and any other hazards including, but not limited to, earthquakes and <br />NEBRASKA — Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 <br />GCC - G3028-06 (09/01) (Page 6 of 19) <br />