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��14�135�
<br /> "co�enant and agreement" is used in Sectian 9. If Borrower is ob��ga�ed to pay Escro�v Items direct�y, pursuant to
<br /> a wai�er, and Borrawer fails to pay the amount due f�r an Escrow Item, Lender may exercise its rights under Sectian
<br /> 9 and pay such amount and Borrower sha�� then be obligated under Section 9 to repay ta Lender any such amount.
<br /> Lender may re�oke the wai�er as to any or a1�Escrow items at any time by a notice giWen in accordance with Section
<br /> 1 S and, upon such re�ocation, Borrower shall pay to Lender a�l Funds, an� in such am�unts, that are then r��uired
<br /> under this Section 3.
<br /> Lender may, at any time, cvll�ct and hold Funds in an amoun��a�suffcient to permit Lender�o app�y the Funds
<br /> at�he time specified under RESPA, and�b}no�ta exceed the maximum amount a�ender can re�u�re under RESPA.
<br /> Len�er shall estima�e the amount of Funds due an the basis of curren�data and reasonable estima�es of expenditures
<br /> of future Escrow Items or othervvise in a�cordance with Applicab�e Law.
<br /> The Funds shatl be held in an institution whase deposits are insured by a federal agency, instrumentality, ar
<br /> entity ��ncluding Lender, �f Lender �s an inst�tution �vhose deposi�s are so insured} or in any Federal Home Loan
<br /> Bank. Lender shall app�}�the Funds to pay the:Escrow Items no later than the time specif ed under RESPA. Lender
<br /> shall not charge Borrower f�r holding and applying the Funds, annually analyzing the escrow accnunt, or�erifying
<br /> th� Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lend�r to make
<br /> such a charg�. Unless an agreemenf is made�n writing or Appl�cable La�v requires interest ta be paid on the Funds,
<br /> Lender shall nat be required to pay Sorrower any in�erest or earn�ngs on the Funds. Borrower and Lender can agree
<br /> in wr��ing, howe�er, that interest shall be paid an the Funds. Lender shall give�o Borro�ver, vWithout charge, an
<br /> annual accaunting of the Funds as required by RESPA.
<br /> If there is a surptus of Funds heid in escrow, as defined under RESPA, Lender shall account to Borrower for
<br /> �he excess funds in accardance vvith RESPA. If there is a shartage of Funds he�d in es�rovW, as defined under RESPA,
<br /> Lender shall notify 8�rrower as required by RESPA, and B�rrower shall pay�o Lender the amount necessary to make
<br /> up the shartage in acco.rdance with RESPA, but in no more than �2�'37�I7th�}� �]aymept5. If there is a deficiency of
<br /> Funds held in escrvw,as defined under RESPA, Lender sha11 no�ify.Borrower as required by RESPA, and Borrower
<br /> sha�l pay to Lender the amount ne�essary to make up the def ciency in accordance with RESPA, but in no more than
<br /> 12 monthly payments.
<br /> Upon paymen�in full of a�l sums secured by this Secur�t��nstrument, Lender shall prumptly refund to Borrower
<br /> any Funds he�d by Lender.
<br /> 4. �harges; Liens. Borrower shal�pay all taxes, assessmen�s, charges, fines, and impositions attributable to
<br /> the Proper�y which can attain priority o�er this Security instrumen�, leasehold payments or ground rents on �he
<br /> Proper�y, if any, and Communi�.y Assaciatian Dues, Fees, and Assessmen�s, if any. Ta the ex�ent that these items
<br /> are Escrow Items, Borrower shall pay them in the manner pro�ided in 5ect�fln 3.
<br /> Borrower sha�l prompt�y discharge any lien which has priar�ty o�er this Security Instrument unless Borr�wer:
<br /> �a�agrees in wri�ing to the payment af the ab�igation secured by the�i�n in a manner accep�able to Lender, but only
<br /> s� �on� as Borrower is perform ing such agreement; tb� contes�s the lien in gaod faith by, or def�nds aga�nst
<br /> enfarcemen�of the�i�n in, �ega�pr�ceedings wh�ch in Lender's opinion aperate�a pre�ent the enforcemen�of the lien
<br /> vvhi�e those proceed�ngs are pending, but�nly until such praceedings are concluded; or�c} secures from the halder
<br /> of�he lien an agreement sat�sfactory �o Lender subordinating the lien �o this Securi�y �nstrumen�. If Lender
<br /> determines that any part of the Praper�y �s subject t�a lien which can attain priarity o�er this SeCurity �nstrument,
<br /> Lender may gi�e Borrower a notice iden�ify�ng the �ien. W1���n �� days of the date on which that notice is gi�en,
<br /> Borrower shal� satisfy the lien or take one or m�re of the actxons set farth above in this Section 4.
<br /> Lender may require Borrower to pay a one-time charge for a real estate tax�erificat�on andlor reparting ser�ice
<br /> used by Lender �n connection with this L�an.
<br /> 5. Property Insuran�e. Borrower shal� keep the impro�emen�s now exis�ing or hereafter erec�ed on the
<br /> Praper�y insured against lo�s by fire, hazards in�iuded within the term "extended co�erage," and any ather hazards
<br /> inc�udrng, but not �imited to, ear�hquakes and floods, for which Lende.r requlres�nsurance. This insurance shall be
<br /> maintained in the amounts (including deductible �e�els} and for the periods that Lender requires. �Vhat Lender
<br /> requires pursuan�to the preceding sentences can change during�he term of�he Laan. The insurance carrier pro�iding
<br /> the insurance sha�l be chosen by Borrower subject ta Lender's right ta disapprfl�e Borrower's chalce,vr�hich rlght sha11
<br /> NEBRASKA--Single Family--Fannie MaelFreddie Mac UNiF�RIVI INSTRUMENT - MERS ��cJd�a�fc
<br /> Form 3D28 �1Q 1 Page 5 of 15 www.do�magi�.com
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