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<br /> A�y a�pl�cat�o�.of paym�nts, �surance proceeds, o�Mrscel�aneous Proce�c�s�o princip�.1 due ur�der�.he No�e
<br /> sha��n��ex�en�.or past��ne�he d�.e date, or change�:he atnoun�, of�:he Perio�.�c Payinents.
<br /> 3. Tunds for�scro�Ite�ns. I3orrawer sha��pay�o Lender on�he c�ay Pe�r�odic P�.y�nen�s are due under�he
<br /> Nt��:�, until�he No�e is paid ir�fu��, a suin��:he"Tur�ds'"��o provide for pa��ne��of�.m�u�ts due fa�: �a��a�es
<br /> ari�.assessinen�s and.n�h.er i�e�ns v�rh�c��ca�a��ain priority aver��Zis SecL�rity Instrumen�as a 1ier�or
<br /> encut�n�rarice on��a.e pr��erty; �b} leasehol�.pay���e�1�s or graund re�a�s otl the Praperty, if a.r�Y; �c�premiu�aas
<br /> For any and a11 ir�sur�nce requ��ed�y Lende�unde� Sec#:ion 5; and�d�Mor�gage Insu�a.�ce pre�niu�ns, if a��,
<br /> or any sums pa.yab�e by Bo�r�ower�o Lender in lieu of ti�ie paymen�of Mor�gage Insu.rar�ce p��e�niu�ns in
<br /> ac�a�dax��e with�he prov�sions of Sec�io�. 1 D, T�Zese��ems are ca�1e�."Esc�aw I�exns," A�nri��na�ion nr a.�
<br /> ax�y titne during tihe ter�n of���e Loa�a, Le��deY•t�nay requ��e�ha�:C��nm.ufli�y Assoc�a�iox�I3u�s, Fees, a.nd
<br /> A�ses�mef�ts, �f a�y, �e escra�ved by Barrovv�r, ar�c�such dues, Fees a�ld asses�znem�s sl�a��be a�.E�craw
<br /> Item, Bo�rower s�1a����ro�nptly Fur�ish�o Ler�d�x a.11 noti��s a�arnou��s to be paid und�r this Sec�ior�,
<br /> Barrower sha1l pay Lender�1ze Fu.�c�s for Escrow��e�ns u�less Lender v��.ives Bo�ro�er's o�ligatian to pay
<br /> ��e Ft�nc�s for a.ny or a1I�scrow I�e�ns, Le�de�{�nay��:ive Bo�t�ovver's o���ga�ia�t�pay�o Lellder Func�s fflr
<br /> an�or a11�scrov�I�e�n�a�a�zy�i1ne. Any sucll waive�•zna�ar�1�r 1���n wri�ing, Z�.�he ever�t oI'such�raiver,
<br /> Borrovtrer s�za��pay c�irecl:�y, vvl�e�z and w��ere pay�.�b�e, the a�nou�l�s�.ue fo�a�1�Escraw�teins for vtrhich
<br /> p�.y�nen�of Fu�ds has�een waived�y Lender anc�, �f Le�c�e�requires, sha1�fuxnish tn Lender r�cerpts
<br /> ev��.e�xci�a.g such�aymen�wi�h�n suc��ti�ne pe�za�.a�Lender may requ�re. BorxQwer's oblzga�ion to�nalce
<br /> such pa�r�nen�s and to prflv��.e receipts sha11�or a��purp��es l�e dee�ned�o be a�ov�na.r��and.ag�ee�nenti
<br /> �on�a���ed i�.�:his Secur�ty Ins���uinen�;, �s�he�h�ase"covenan�az�d agreei�ent" is u5ed��Sec�zo�a�9, If
<br /> Bor1 o�t�rer�s a�ligatec��o pay Escravv Ite�r�s d�re��1y, ���sua�t�o a�waiver, an�.I3o�rflwet�fa����o pay t��
<br /> amo�.�.�due for an Esc�ov�r I�e��z, LeY�c�er�nay exerci�e i���igh�s��zd�r Sec�ior�9 a�zd pay su�1z a�noL�x�t a.nd
<br /> Bflrrower s��a�l the�1 be a�b�iga�ed unde� Sec�ion 9�a re�ay�o Lenc�er�.r�y such a�z�out�ti. Len�.er may�:eval�e
<br /> ��ie vvaiver as�o a�.y or aIl Escrov�I�e�r�s �.�any t�tr���y�,no�ice give�in accor�a.nce v���h Sec�ioiz 15 and,
<br /> upo�z su.ch revocatfon, Uorr�wer sha11 pay to Len�.e�al�F`unds, an�.i��suc�i amoun�s, ��ia�are�he�.req�.ii ed
<br /> un�.e�•�1�is Section 3.
<br /> Le�der�nay, a�a�y�i�ne, cor�ecl:anc�ho��.Fu�ds in a.r�aznou���a� suf�c�e�.��o perY�i�Lex�der�o app�y�he
<br /> Fu��c�s a�the�i�ne spec��Zed tt�Zder RESPA, a.nd�b� no��a exceed�he�naxi�n�.�n a���aun�a�ender ca�require
<br /> under RESP,�.. Le�.der sh�.I.1 esti�na�e���e amour��of F'unds�.ue on�;he baszs of curre�t c�a�a a��.reasonab�e
<br /> es�i�nat�s of exp�n�.i�ure�af future�scrow I�e1ns��otheru��s�i�.�cco�danc�wr�lz App1��aU�e Law,
<br /> Tf�e Fu�1ds s�a�I1 b�1�e�c����an institu��o�l whase c�epos�ts are��sUared by a fe�.�xal ager�cy, Yns�ru�nenta�i�y, o�
<br /> ent�l:y�including.Len�.er, if Le�der�s a.�.institu�ian v�llose deposit�are so�nsut ed� or in a�.y Federa��3o��x�.e
<br /> Loan B�.r��, Le�der shall apply��le Fu�.�.s�o p�.y�1ze Escro�t7v I�eins na 1a�er�1zan�he i;��ne specrfied under
<br /> R..ESPA. Len�.e�sha11 r�ot�harge Borra�ver fo�•��o��.ing a��d ap��y�ng���e Funds, a.�nually an�.lyz�ng���e
<br /> escrow accau��t, or Ver�fying���.e�sc�ov�r 7��m�, uxzles�L�nder pays I3or�awer�n�e��est an the Fun�.s and
<br /> Applicable Lavv�erir��s Leizc�et�o ina�te�uch a c��arg�, Uz�less a.��agree�nen��s�-nade irl.writii�.g or
<br /> Applicable La�w requ�res x�teres��o be paxd on t�le Ft�nd.s, Len�.er sha1�no��e�requit•ed��pay I3ar�awer a��.y
<br /> ��terest ar ea��.�ngs o�.�he Funds. I3or�awer�.�d Ler�c�er ca�.ag�ee in v�r���ng, 1zo�re��r, tihat�n�eres�s��a��be
<br /> paic�oi1�11e Fur�ds. Lender sha11 give�o I�oxrower, wi�ho�.���za��ge, an anr�ual a.cca�.�nting of�he I'unc�s as
<br /> rec�uire�by�ESPA.
<br /> If there is a s�rplus of Fur�c�s hel�.ir�esc�ov�, as c�e��zed unc�er RES�'A, Letlder sl�a�1 acc�ur�ti�Q�3arra�ver fflr
<br /> �lie e�ce�s futlds in aCcorda�.ce w���1 RESPA. If�here is a shar�age of Funds he�d in escrav�r, �s de��.ed.ut�der
<br /> RESPA, Le�der sh�.�l�o��fy Borr�wer as rec�uir�c��ay R�SPA, a.nd Borr�vve��s�a.�.I1 pay ta Le�zder�he amo�n�
<br /> necessary�a ma��e up��ze sllo�•�age�zl�.c�ard�.nce w��h RESPA, 1�ut in�.o�nore�h�.n �.2�a�o��hly paylnez�ts, Zf
<br /> �here i.s a deficie��cy of I'un�.s�ae��.i�esct•ow, as�e�ned t��der R�SPA., Lender s1�a11 no��fy Barrov�e�as
<br /> ��oa7s��
<br /> N�BRA5KA-5ing�e Family-Fannie M a�l�reddie Mac LJNiF4RM INSTRUM ENT Form 3�28 11a�
<br /> VM P fl VM PG�NE}��3�2}
<br /> U►Jolters K�uw er Financla�Servlcss Page 5 of 17
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