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<br />an amount up to, but not in excess of, the maximum amount a lender can require under RESPA. Lender will
<br />estimate the amount of Funds due in accordance with Applicable Law.
<br />The Funds will be held in an institution whose deposits are insured by a U.S. federal agency,
<br />instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in
<br />any Federal Home Loan Bank. Lender will apply the Funds to pay the Escrow Items no later than the time
<br />specified under RESPA. Lender may not charge Borrower for: (i) holding and applying the Funds; (ii)
<br />annually analyzing the escrow account; or (iii) verifying the Escrow Items, unless Lender pays Borrower
<br />interest on the Funds and Applicable Law permits Lender to make such a charge. Unless Lender and
<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 surplus
<br />of Funds held in escrow, Lender will account to Borrower for such surplus. If Borrower's Periodic Payment
<br />is delinquent by more than 30 days, Lender may retain the surplus in the escrow account for the payment of
<br />the Escrow Items. If there is a shortage or deficiency of Funds held in escrow, Lender will notify Borrower
<br />and Borrower will pay to Lender the amount necessary to make up the shortage or deficiency in accordance
<br />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 impositions
<br />attributable to the Property which have priority or may attain priority over this Security Instrument, (b)
<br />leasehold payments or ground rents on the Property, if any, and (c) Community Association Dues, Fees, and
<br />Assessments, if any. If any of these items are Escrow Items, Borrower will pay them in the manner provided
<br />in Section 3.
<br />Borrower must promptly discharge any lien that has priority or may attain priority over this Security
<br />Instrument unless Borrower: (aa) agrees in writing to the payment of the obligation secured by the lien in a
<br />manner acceptable to Lender, but only so long as Borrower is performing under such agreement; (bb)
<br />contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which
<br />Lender determines, in its sole discretion, operate to prevent the enforcement of the lien while those
<br />proceedings are pending, but only until such proceedings are concluded; or (cc) secures from the holder of
<br />the lien an agreement satisfactory to Lender that subordinates the lien to this Security Instrument
<br />(collectively, the "Required Actions"). If Lender determines that any part of the Property is subject to a lien
<br />that has priority or may attain priority over this Security Instrument and Borrower has not taken any of the
<br />Required Actions in regard to such lien, Lender may give Borrower a notice identifying the lien. Within 10
<br />days after the date on which that notice is given, Borrower must satisfy the lien or take one or more of the
<br />Required Actions.
<br />5. Property Insurance.
<br />(a) Insurance Requirement; Coverages. Borrower must keep the improvements now existing or
<br />subsequently erected on the Property insured against loss by fire, hazards included within the teen "extended
<br />coverage," and any other hazards including, but not limited to, earthquakes, winds, and floods, for which
<br />Lender requires insurance. Borrower must maintain the types of insurance Lender requires in the amounts
<br />(including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the
<br />preceding sentences can change during the term of the Loan, and may exceed any minimum coverage
<br />required by Applicable Law. Borrower may choose the insurance carrier providing the insurance, subject to
<br />Lender's right to disapprove Borrower's choice, which right will not be exercised unreasonably.
<br />(b) Failure to Maintain Insurance. If Lender has a reasonable basis to believe that Borrower has
<br />failed to maintain any of the required insurance coverages described above, Lender may obtain insurance
<br />coverage, at Lender's option and at Borrower's expense. Unless required by Applicable Law, Lender is under
<br />NEBRASKA—Single Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 07/2021
<br />E1 25306.5 Page 6 of 18
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