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20110817�
<br />The Funds shatt be hetd in an insfitution whose depasits are insured by a federal agency,
<br />ins#n�men#aliiy, or entit�t (fnc�uriir;g Lenrier, i# Lender is an institution whose de�si#s afc so i�sured3 or �n
<br />any Federal Horrte LoaR Bank. Lender sha{I apply the Funds to pay the Eserow Items no {ater than the
<br />time specifted under ftESPA. Lender shall not charge Ba�rower for hOlding and applying the Funds,
<br />annualty ana(yzing the escrow account, or verifiying the Escrow Items, unless Lender pays Borrower
<br />interest o� �e Funds ar�d Appfieable Law per�ifis �e��efer to rr�ake suc:h a c�iarge. lfr�fess a� agreerr�ent
<br />is made in writing or Appficable taw requires i�erest to be paid on the Funds, Lender shait not be
<br />required to pay Borrower arty interest ar eamings on the funds. Borrower and Lender can agree in
<br />wr'rtirtg, however, that interest shall be paid on the Funds. Lender sf�afl give to Borrower, without charge,
<br />an ar�rtuat acx�ur�ting ofi ttte �unds as r by RESPA.
<br />tf there is a surptus of Funds held in escrow, as defined under RESPA, Lender shaN aecount to
<br />Borrower for the exc�ss fands in accordatfce rnrith RESPA. If #here is a shvrtage of fcmds heki in e�scfcnw,
<br />as defined under RESPA, Ler�der shaN notify Borrower as required by RESPA, ancf Borrower shatt pay to
<br />l.ende� t�e amt3unt n�c�ssary �t� m�ke tsp the s�it3rt� in accardancs with RESPA, but i� r� �r�re than
<br />12 monthfy payments. If there is a defic�ency of Funds held in escrow, as defin�d under RESPA, �ender
<br />shall notify Borrower as reguired by RESPA, ar�d 8errvvuer shaN {�ay to L�nder t�ee amaun# necessary to
<br />make up the deficiency in accx�rdance with RESPA, but in no more than 12 montttly payrr�en#s.
<br />�R� R�YY�en# in full uf atl s�r�s secur�d by this S�urit)r ir�st�wrien#, Lender sha� P�a�P�Y
<br />refund to Borrower any Funds hetd by Lender.
<br />4. Charges; L�s. Borruraer shaN {�ay all t�xes, assessments, ct�arge�, fines, and impc�i#ions
<br />attributable to the PFOperty which can attain priority aver this Security Instrument, teasehotd paymerrts or
<br />graund €er�ts � th� Prope�ty, # any, a�d Eummu�i#y Assoc�atiun Uues, Fees, a+�c{ Assess►r�n#s, i� any.
<br />To the exterrt that these items are Escrow ltems, Barrower shatl pay them in the manner provided in
<br />Secction 3.
<br />Borrower shafl promptiy discharge any liert which has priority over this Securiiy tnstrument urr(ess
<br />Bor�ower: (aj agrees in wrrifing to the pay�ent o# the obiigaticmn seeur�d by fiFie iien in a rnar�r�er
<br />acceptable to Lender, but onty so bng as Borrower is perForming such agreement; (b) contests the lien in
<br />good faith by, or defends against enforcemerrt of the lien in,legal proc�edings which in Lender's opinion
<br />o�rate to prevent the enforcement of the iien whife those proeeedings are pendirtg, but only ur�fit such
<br />proeeedings a�e eonch�ded; or (e) seeures fi�rn the hoider of ttte tien a� �gtesment satisfactory to LendeP
<br />subordinating the tien �a this Secu�ity fnstrumen# {f Lender determines tFta# any part of the Property is
<br />subject #o a iisn v�hieh can a#t�in p�xity over this Secur�ty instrurr►ertt, Lender rr�ay gi�e 8orrawr�:r a nv�ce
<br />iderttifying the lien. Within 10 days of the date on which that notice is given, Borrower shatl satisfy the lien
<br />of take ane or tt�c:re of tt�e activns set f�xt+� above i� this Sectian 4.
<br />Lender may require Borrvwrer ta pay a one-time charge for a real estate tax verificatian andbr
<br />repor�ir�g servics used by Lencler ir► connectior� vv+th th�s Loan.
<br />5. Prcperky lnsurar�ce. Borrower shati keep the ir�tprovements now existing oe hereat�er
<br />ereatEd or� the Pra{�erty insuEed agair�st lass t�y f�re, hazards i�cluded �ri#�r� �e term °extertdEd
<br />coverage,° and any ather hazards incfuding, but not tirnited to, earthquakes and floods, for �rrhic� Lender
<br />requKes +nsurance. This insurar�ce sl3all be mabttaineti in the amounts (inck�ding deductible l�vels} ar�d
<br />for the periods that Lender requires. What Lende� requires pursuant to the preced'mg sentences can
<br />ehar�ge durir�g the terrr► t�# the Lt�an. The i►rs�rancs sarr�r �ovid'+ng t#�e fnsurance shall be chc�s� by
<br />Borrorroer subjeet to Lender's right ta disapprove Bor�otiroe�'s choice, which �ght shall not be exercised
<br />tmreasonabiy. Lender rtaay �a�re Barrawet� to pay, irt curtrte�tion with this Loart, either. (a) a ate-time
<br />charge for flood zone determination, certficafion and tracking services; or (b) a one-fime charge for flood
<br />�one deter artcf c�rtifie�tion sertviees and subseqcterrt c�tafges eaef� tirr�e ��ppirtgs or simiiar
<br />changes accur bvhich reasonably might afFect such determination or certification. Borrower shalt atso be
<br />responsible for the payment of any fees imposed by ttie FederaP Emergency Managerrrerrt Agency in
<br />eormecfion vv�th the review o# ar�r f�ood �one detetminafion resE�i#ing from an abjectiun by B�rr
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<br />� 3 fl O O 1 6 9'F 7'f � � M C M D O T�
<br />NEBRASKA--Single Family-Fannle Mae/Freddie AAac UNIFORM INSTRUIIAENT Form �28 1/01 (page 5 of 14 pages)
<br />Flnale Documerh Services C�3 3U27 02ldS
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