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20120447� <br />Loan No.: 5535224 <br />20�20316� <br />applicable law. <br />The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or <br />entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan <br />Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender <br />shall not charge Bonower for holding and applying the Funds, annually analyzing the escrow account, or <br />verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and applicable law permits Lender <br />to make such a charge. Unless an agreement is made in writing or applica.ble law requires interest to be paid on the <br />Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Lender and Borrower can <br />agree in writing, however, that interest shall be paid on the Funds_ Lender shall provide Borrower, without charge, <br />an annual accounting of the Funds as required by RESPA. <br />If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower <br />for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under <br />RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount <br />necessary to make up the shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is <br />a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by <br />RESPA, and Borrower sha11 pay to Lender the amount necessary to make up the deficiency in accordance with <br />RESPA, but in no more than 12 monthly payments. <br />Upon payment in full of all sums secured by the Loan Documents, I.ender sha11 prompfly refund Borrower <br />any Funds held by Lender. <br />���� �� <br />Date � <br />�I�,IIa <br />Date <br />Date <br />Date <br />NEBRASKA LOAN MODIFICATION AGREEMENT <br />(FNMA Modified Form 31791/Ol (rev.10/10)) <br />(Seal) <br />Borrower <br />(Seal) <br />—Bortower <br />Page 4 of 7 <br />