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<br />The Funds shall be fxeld in xn institution whose deposits are insured by a federal agenc}�, instnmientality, or entity
<br />(including Lender, if Lender is a�� instit�ition �vhose deposits are so insured) or in e��y Federal Home Loan Bank. Lendcr shall
<br />apply thc Fua�ds to pay the Escrow items no lazcr than the time specified w�der RESAA. Lei�cler shall not chiirgc Bon'o�ver for
<br />holding and applyins thc Funds, annuaily analyzing dlc cscrow accouut, or vcrifying thc Escrow Itcros, lmlcss Lcndcr pays
<br />Borrower interest on the Funds and Applicable Law permits Lcnder to make such a charge. Unless �u� ap,�eement is made in
<br />writing or Applicable Law requires i�itcrest to be paid on khe .Funds Lender shall not be required to pay Borrower any interest
<br />or earnings on lhe Funds. Borrowcr a��d Lender can agree in writin�, hnwever, tlaat. interest shall be paid on I}�e Funds. Leiader
<br />shall �ivc tp Borrowcr, �vithout char�c, an armu�il accounting of thc Punds as rccpiircd by RESPA.
<br />If there is a surplus of Funds held in escro�v, �is defined under RESPA, Lender shall account to Borrower for the exccss
<br />funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under ItESPA, Lender shall notify
<br />�3orrnwer sis required lry RFSPA, and Rnrrower shall p<�y to [,endcr tlae amoi�nt necessary to makc up thc shortagc in
<br />accordancc with RESPA, but in no more th�n ]2 mor�thly paymcnts. If thcre is a deficicncy of Funds hcld in escrow, as dctined
<br />under RESPA, Gender shall notil:y Borrower as required by fZESP/1, and Borrower shall pay to Lender the amoiu�t necessary to
<br />make up the deticiency .in accordance with R�SPA, but in no moce than t� mont�lly paytnents.
<br />Upon paymcnt in full of all surns sccured bv this Scctiurity Tnstnuncnt, Lcndcr shall promptly rcfiizid to Borrowcr any
<br />Funds held by Lender.
<br />4. ('harges; i,ien`. Rorrntver shall p�iy all t��xes, t3ssessmcnts, ch�rges, fit�es, and ianpositions attribiitahle tn dae Prnperty
<br />w•hich can attain priority ovcr this 5eciUity Instnuncnt, leaschold payments or �round rents on thc Properry, if any, and
<br />Commu��ity Association Dues, Fees, and Assessments, itany. 'I'o d�e eYtent fliat these items are Escro�v ltems, Borrower sl�ll
<br />pay them in ihe znanner provided in Seciion 3.
<br />[3onow�er sh�ill promptly discharbc any licn which has priority over this Sccurity [nstruinent unless Bnrrower: (a) agrces in
<br />writin� to the paymcnt of thc obligation seciu�cd by thc lien in a irwnner lcceptable to Lcndcr, but. onl}� so long as Borrowcr is
<br />performing such agreelnc��t; (b) contests the lien in good f;iith by, or defends against enforcement of the lien in, legal
<br />proceedings ��hich in Lender's opinion operate to prevent ihe enforcement of the lieta while those proceedings are pending,
<br />biit only i�ntil such proceeclings arc concliided; or (c) secures from the t�alder af the lien a» agrccta�ent satisfaci.ory to Lender
<br />subordinating thc licn to this Security Instnuncnt. If Lcndcr dctcrmincs that any part of thc Property is subjcct to a licn �vhich
<br />can actain priority over ttus Security Instrument, Lendcr may �ive Borrower a notice identifying the lien. Within 10 days of the
<br />datc on �vhich that nolice is given, Borrower sliall satisfy the lien �r take one or more of fl�e aciions set foa above in this
<br />Section 4.
<br />Lender may require Borrower to pay a one-time charge for a. rea] estatc tax veritication ancUor reporting service used by
<br />Leudcr in conneclion will� tliis Lo�in.
<br />5. Property Insurance. Borro�ver shall keep the improvements now existing or here�ftcr erected on the Property insured
<br />�t�;ainsi loss b3� fire,h��c�ucls included within the term "extended coverage," and any other haz�rds including, but not limited to,
<br />carihquakes and floods, for which Lender reqtures i��surance. This insurance shall bc maintained in the amounts (including
<br />deductiblc levels) and for the periods that Lender reqlnres. What Lender requires pursuant to the preceding sentences c��u
<br />change during the term of the Lo�n. The insurance carrier providing the insurance shall be chosen b�• Borrower subject to
<br />Let�dcr's right lo disa}�prove F3urrower's choicc, �vliich rigtit sliall nat be; exercised ut►rcasonably. Leiider iti;iy require F3orrower
<br />to pay, in coru�ection wittl this Loan, eiiher: (a) � one-time charge for i7ood zone determiization, certitication and tracking
<br />scrvices; or (b) a one-time ch�rge lar tlood zone determination and certification services and subsequent charges each time
<br />rernappings or srmi]ar chazlges occi�r which reasonably mi�;}it affeci such determin:�tion or certilication. Borrower sha11 also be
<br />responsible for ihe payment af any fees imposed by the Federal Emergcncy Management Agency in cormection with the
<br />revie�v of an}r Ilood conc determination resulting froman objection by fiorrower.
<br />If Borrowcr fails to maintain any of the coverages described above, Lendcr may obtaizi inst�rance coverabe, at Lender's
<br />nption tu�d $orrowcr's expense. Lei�der is under no obligation tn purchlse any p,�.rticular type or dn�nunt of coverage.
<br />Thercforc, such covcr�ge shall covcr Lender, but might or migltit not proicet Bonower, Borrowcr's equity in the Property�, or
<br />ihe contents of the Property, against an_v risk, h�zard or liability and might provide }� or lesser coverage than was
<br />previousl}� in effeci. Sorrower acknowledges that the cost of the insurance covcrage so obtained mi�lit signi�cantly excecd
<br />the cost of ins�irance th:it Borrower coiild hr�ve obtairied_ Any anlounts dishursed hy Lender under this Section 5 sh�ll
<br />become additiona] debt of Borrower scci�red by this Security Instrtunent. Thesc amo��nts shall bcar inierest at thc Notc rate
<br />from the date oF disbi�rsement and shall be payable, �vitl� such in�erest, upon natice trom Lerrder to Borrower requesting
<br />payinent.
<br />N�eRASKA - Sfngle Family - Fannie MaelFreddie Mac UNIFORM INSTRUMENT
<br />��-6(NE) l�>>1 Pase s a ta i���ai : � Form 3028 1/01
<br />DDS-NE9
<br />II�III I�II III� I�II ��IIIII �III I�I� I�III IIIII (�III III� I�II� IIIII IIII II�
<br />OOOONE9667916
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