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<br /> under Section 5;and(d)Mortgage Insurance premiums,if any,or any sums payable by Borrower to Lender in lieu of the
<br /> payment of Mortgage Insurance premiums in accordance with the provisions of Section 10.These items are called
<br /> "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community
<br /> Association Dues,Fees,and Assessments,if any,be escrowed by Borrower,and such dues,fees and assessments shall be
<br /> an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section.
<br /> Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for
<br /> any or all Escrow Items.Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at
<br /> any time.Any such waiver may only be in writing.In the event of such waiver,Borrower shall pay directly,when and
<br /> where payable,the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and,if
<br /> Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may
<br /> require.Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a
<br /> covenant and agreement contained in this Security Instrument,as the phrase"covenant and agreement"is used in Section
<br /> 9.If 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 15 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 at
<br /> the time specified under RESPA,and(b)not to exceed the maximum amount a lender can require under RESPA.Lender
<br /> shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future
<br /> 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 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 RESPA.Lender shall not charge
<br /> Borrower for holding and applying the Funds,annually analyzing the escrow account,or verifying the Escrow Items,
<br /> unless 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
<br /> pay Borrower any interest or earnings on the Funds.Borrower and Lender can agree in writing,however,that interest
<br /> shall be paid on the Funds.Lender shall give to Borrower,without charge,an annual accounting of the Funds as required
<br /> by RESPA.
<br /> If there is a surplus of Funds held in escrow,as defined under RESPA,Lender shall account to Borrower for the
<br /> excess funds in accordance with RESPA.If there is a shortage of Funds held in escrow,as defined under RESPA,Lender
<br /> shall notify Borrower as required by RESPA,and Borrower shall pay to Lender the amount necessary to make up the
<br /> shortage in accordance with RESPA,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
<br /> the amount necessary to make up the deficiency in accordance with RESPA,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.
<br /> 4.Charges; Liens.Borrower shall pay all taxes,assessments,charges, fines,and impositions attributable to the
<br /> Property which can attain priority over this Security Instrument,leasehold payments or ground rents on the Property,if
<br /> any,and Community Association Dues,Fees,and Assessments,if any.To the extent that these items are Escrow Items,
<br /> Borrower shall pay them in the manner provided in Section 3.
<br /> Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower:(a)
<br /> agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender,but only so long
<br /> as Borrower is performing such agreement;(b)contests the lien in good faith by,or defends against enforcement of the
<br /> lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those
<br /> proceedings are pending,but only until such proceedings are concluded; or(c)secures from the holder of the lien an
<br /> agreement satisfactory to Lender subordinating the lien to this Security Instrument.If Lender determines that any part of
<br /> the Property is subject to a lien which can attain priority over this Security Instrument,Lender may give Borrower a
<br /> notice identifying the lien.Within 10 days of the date on which that notice is given,Borrower shall satisfy the lien or take
<br /> one or more of the actions set forth above in this Section 4.
<br /> NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01
<br /> Page 4 of 12
<br /> IDS,Inc. Borrower(s)Initials if
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