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<br /> waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may
<br /> only be in writing. In the event of such waiver,Borrower shall pay directly,when and where payable,the amounts
<br /> due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall
<br /> furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's
<br /> obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and
<br /> agreement contained in this Security Instrument, as the phrase"covenant and agreement"is used in Section 9. If
<br /> Borrower is obligated to pay Escrow Items directly,pursuant to a waiver,and Borrower fails to pay the amount due
<br /> for an Escrow Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be
<br /> obligated under Section 9 to repay to Lender any such amount. Lender may revoke the waiver as to any or all Escrow
<br /> Items at any time by a notice given in accordance with Section 14 and,upon such revocation,Borrower shall pay to
<br /> Lender all Funds,and in such amounts,that are then required under this Section 3.
<br /> Lender may,at any time,collect and hold Funds in an amount(a)sufficient to permit Lender to apply the Funds
<br /> at the time specified under RESPA,and(b)not to exceed the maximum amount a lender can require under RESPA.
<br /> Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures
<br /> of future Escrow 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
<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 Borrower for holding and applying the Funds,annually analyzing the escrow account, or verifying
<br /> the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make
<br /> such a charge. Uriless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds,
<br /> Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree
<br /> in writing, however,that interest shall be paid on the Funds. Lender shall give to Borrower,without charge,an
<br /> 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 for
<br /> the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow,as defined under RESPA,
<br /> Lender shall notify Borrower as required by RESPA,and Borrower shall pay to Lender the amount necessary to make
<br /> up the shortage in accordance with RESPA,but in no more than 12 monthly payments_ If there is a deficiency of
<br /> Funds held in escrow,as defined under RESPA.Lender shall notify Borrower as required by RESPA,and Borrower
<br /> shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA,but in no more than
<br /> 12 monthly payments.
<br /> Upon payment in full of all sums secured by this Security Instrument,Lender shall promptly refund to Borrower
<br /> any Funds held by Lender.
<br /> 4. Charges;Liens. Borrower shall pay all taxes,assessments,charges,fines,and impositions attributable to
<br /> the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the
<br /> Property,if any,and Community Association Dues, Fees,and Assessments,if any. To the extent that these items
<br /> are Escrow Items,Borrower shall pay them in the mariner provided in Section 3.
<br /> Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower:
<br /> (a)agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender,but only
<br /> so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against
<br /> enforcement of the lien in,legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien
<br /> while those proceedings are pending,but only until such proceedings are concluded;or(c)secures from the holder
<br /> of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. if Lender
<br /> determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument,
<br /> Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given,
<br /> Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4.
<br /> Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service
<br /> used by Lender in connection with this Loan.
<br /> NEBRASKA-Single Family-UNIFORM INSTRUMENT Dockiegic ernsmio
<br /> MODIFIED FOR DEPARTMENT OF VETERANS AFFAIRS-MERS www.docmagic.rorn
<br /> (Rev.1;01) Page 5 of 14
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<br /> tiI� BANK 006481356
<br /> 7{l6. rMD®_13o3125598
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