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<br />shall estimate the amount of 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 agency, instrumentality, or entity
<br />(including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender
<br />shall apply the Funds to pay the Escrow Items no later than the time specified under RESP A. Lender shall not charge
<br />Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless
<br />Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless an
<br />agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay
<br />Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest shall be
<br />paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as required by RESP A.
<br />If there is a surplus of Funds held in escrow, as defined under RESP A, Lender shall account to Borrower for the
<br />excess funds in accordance with RESP A. If there is a shortage of Funds held in escrow, as defined under RESP A, Lender
<br />shall notify Borrower as required by RESP A, and Borrower shall pay to Lender the amount necessary to make up the
<br />shortage in accordance with RESP A, but in no more than 12 monthly payments. If there is a deficiency of Funds held in
<br />escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the
<br />amount necessary to make up the deficiency in accordance with RESP A, but in no more than 12 monthly payments.
<br />Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any
<br />Funds held by Lender. Borrower shall not be obligated to make such payments of Funds to Lender to the extent that
<br />Borrower makes such payments to the holder of a prior mortgage or deed of trust if such holder is an institutional lender. If
<br />under Section 21 the Property is sold or the Property is otherwise acquired by Lender, Lender shall apply no later than
<br />immediately prior to the sale of the Property or its acquisition by Lender, any Funds held by Lender at the time of application
<br />as a credit against the sums secured by this Security Instrument.
<br />4. Charges; Liens. Borrower shall perform all of Borrower's obligations under any mortgage, deed of trust, or
<br />other security agreement with a lien which has priority over this Security Instrument. Borrower shall pay when due, all taxes,
<br />assessments, charges, fines, and impositions attributable to the Property which can attain priority over this Security
<br />Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and
<br />Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in
<br />Section 3.
<br />Borrower shall promptly discharge any lien other than a lien disclosed to Lender in Borrower's application or in any
<br />title report Lender obtained which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the
<br />payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing
<br />such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which
<br />in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such
<br />proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the
<br />lien to this Security Instrument.
<br />Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used
<br />by Lender in connection with this Loan if allowed under Applicable Law.
<br />5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property
<br />insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not
<br />limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts
<br />(including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding
<br />sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by
<br />Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised umeasonably. Lender
<br />may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination,
<br />certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and
<br />subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or
<br />certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency
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<br />Nebraska Deed of Trust-Single Family-Secondary Lien
<br />-THE COMPLIANCE SOURCE, INC.-
<br />.WWw.compliancesoun.:e.com
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<br />MERS Modified Form 3801 01/01
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<br />Modified By "The Compliance Source, Inc.'~ 14102NE 03/02
<br /><!'.n002, T1le Compliance Source. Inc.
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