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<br />Borrower agree in writing or Applicable Law requires interest to be paid on the Funds, Lender will not be
<br />required to pay Borrower any interest or earnings on the Funds. Lender will give to Borrower, without
<br />charge, an annual accounting of the Funds as required by RESPA.
<br />(d) Surplus; Shortage and Deficiency of Funds. In accordance with RESPA, if there is a
<br />surplus of Funds held in escrow, Lender will account to Borrower for such surplus. If Borrower's Periodic
<br />Payment is delinquent by more than 30 days, Lender may retain the surplus in the escrow account for the
<br />payment of the Escrow Items. If there is a shortage or deficiency of Funds held in escrow, Lender will
<br />notify Borrower and Borrower will pay to Lender the amount necessary to make up the shortage or
<br />deficiency in accordance with RESPA.
<br />Upon payment in full of all sums secured by this Security Instrument, Lender will promptly refund
<br />to Borrower any Funds held by Lender.
<br />4. Charges; Liens. Borrower must pay (a) all taxes, assessments, charges, fines, and
<br />impositions attributable to the Property which have priority or may attain priority over this Security
<br />Instrument, (b) leasehold payments or ground rents on the Property, if any, and (c) Community
<br />Association Dues, Fees, and Assessments, if any. If any of these items are Escrow Items, Borrower will
<br />pay them in the manner provided in Section 3.
<br />Borrower must promptly discharge any lien that has priority or may attain priority over this
<br />Security Instrument unless Borrower: (aa) 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 under such
<br />agreement; (bb) contests the lien in good faith by, or defends against enforcement of the lien in, legal
<br />proceedings which Lender determines, in its sole discretion, operate to prevent the enforcement of the
<br />lien while those proceedings are pending, but only until such proceedings are concluded; or (cc) secures
<br />from the holder of the lien an agreement satisfactory to Lender that subordinates the lien to this Security
<br />Instrument (collectively, the "Required Actions"). If Lender determines that any part of the Property is
<br />subject to a lien that has priority or may attain priority over this Security Instrument and Borrower has not
<br />taken any of the Required Actions in regard to such lien, Lender may give Borrower a notice identifying
<br />the lien. Within 10 days after the date on which that notice is given, Borrower must satisfy the lien or take
<br />one or more of the Required Actions.
<br />5. Property Insurance.
<br />(a) Insurance Requirement; Coverages. Borrower must keep the improvements now existing
<br />or subsequently 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, winds, and floods,
<br />for which Lender requires insurance. Borrower must maintain the types of insurance Lender requires in
<br />the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires
<br />pursuant to the preceding sentences can change during the term of the Loan, and may exceed any
<br />minimum coverage required by Applicable Law. Borrower may choose the insurance carrier providing the
<br />insurance, subject to Lender's right to disapprove Borrower's choice, which right will not be exercised
<br />unreasonably.
<br />(b) Failure to Maintain Insurance. If Lender has a reasonable basis to believe that Borrower
<br />has failed to maintain any of the required insurance coverages described above, Lender may obtain
<br />insurance coverage, at Lender's option and at Borrower's expense. Unless required by Applicable Law,
<br />Lender is under no obligation to advance premiums for, or to seek to reinstate, any prior lapsed coverage
<br />obtained by Borrower. Lender is under no obligation to purchase any particular type or amount of
<br />coverage and may select the provider of such insurance in its sole discretion. Before purchasing such
<br />coverage, Lender will notify Borrower if required to do so under Applicable Law. Any such coverage will
<br />insure Lender, but might not protect Borrower, Borrower's equity in the Property, or the contents of the
<br />Property, against any risk, hazard, or liability and might provide greater or lesser coverage than was
<br />previously in effect, but not exceeding the coverage required under Section 5(a). Borrower acknowledges
<br />that the cost of the insurance coverage so obtained may significantly exceed the cost of insurance that
<br />111 II 1111111 II
<br />* 1 3 0 5 8 3*
<br />NEBRASKA—Single Fam'ly-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
<br />Mortgage Cadence Document Center ® 3027 09/21
<br />111111I 1111111 III
<br />OR T DO T*
<br />Form 3028 07/202
<br />Page 6 of 18
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