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<br /> waive Borrotiver's o�l�gation ta pay to Lender Funds far any or all Escrow Items at any time.� Any such wa�ver may
<br /> only be in wr�txng. In�tYie event of such waitver, Borrower sha11 pay d.irectly, when an.d where payable, the amaunts
<br /> due for any Escro�v Items for which payment of Funds has been wa.�ved by Lender and, i.f Lender requires, sha1l
<br /> fi�rnish ta Lender receipts eviden�ing such payment wx.th�n such time per�od as Lend�r may requu-e. Borrov�er's
<br /> nbligation ta make such payments and to pro�de receipts sha7i for a1X purposes he deemed to be a covenant and
<br /> agreement cantained in this Seeur�ty Lnstrument, as the phrase "covena-�t and agreement" �s used in Section 9. If
<br /> Barrower Xs abl�gated to pay Escrow Items directXy, pursuant to a wa��er, and Barrower faiis ta pay the amount due
<br /> for an Escrov�Item, Lender may e�ercYse its r�ghts under Section 9 and pa�r such amount and Barrovver sha1l then be
<br /> abligated under S�ction 9 to repay ta Lender an�such amount. Lender may revoke the waiver as�o an�or all Escrav�
<br /> Items at an�time by a no�ice g�ven�.accordance with Section 14 and, upon such re�acation, Barrovcrer shall pay to
<br /> Lender a11 Funds, and�n such amounts, that are then require�under t�.s Sectian 3.
<br /> Lender may,a�ar�.y time, c��lect and hoid Funds in an a.m.oun.t(a}suffiGient to perm�t Lender to app�y the Funds
<br /> at the tixn.e�pec�fi�d under RE SPA, and�b)not to e�ceed the ma�imum amount a Iender can require under RE SP�
<br /> Lender sha1l estimate the am�unt of Funds due on the basYs of current d.a.ta.and reasonable estimates of exp�n.d�.tures
<br /> af future Es�row Items or other�ise in accordance�ith Applicabie Law.
<br /> �h.e Furids sha11 be held in an in.stxtution whose depvs�ts are�nsured by a federa� a.gency, instrumentality, or
<br /> ent�ty ��ncluding Lender, �f Lender xs an inst�tut�on whose deposits are sa insured} or in.any Federal Home Loan
<br /> BaYa.k. Lender shall apply the Fund.s to pay the Escrow Items no Iater than the time spec�fied uxid�r RESPA. Lender
<br /> shall nat charge Borrav�er for holding and�.pply�.ng the Fux�.ds, annually a�.a.alyz�ng�ie escrow accaunt, vr�er�fying
<br /> the Escrow Items, unless L:ender pays Barrvwer interest on the Funds and Applicab�e Law permits Lender to ma�e
<br /> such a charge. Un.less an agreement�s made in wr�ting or Applicable Law requ�res in.terest to be pa.�d nn�.ie Fund.s,
<br /> Lender sha��n.ot be required to pay Borrawer any interest or earnings on the Fun.ds. Barrov�er and Lender can a�ree
<br /> in wrxting, however, that interest shall be paid on the Funds. Lender shall gi.ve ta Borrower, w�thout charg�, an
<br /> annual accounti�a.g of the Funds as r�quired by RESPA. . �
<br /> � If txiere�s a surp�us of Fun.ds he�d i�a.escraw, as defined uazder RESPA, Lender sha11 account to Barrower for
<br /> � the excess funds in accordance�xrith RESPA. If there is a shorta�e of Funds held in escraw,as defined under RESPA,
<br /> Lender sha11 not�fy B�rra�ver as required by RESPA, and Borrower sha11 pay to Lender the amour�t necessary to make
<br /> up the shortage in accordance w�th RE SPA, but�n no more than 12 mvnthl�payments. Yf there�s a deficiency of
<br /> Funds hel.d in.escr�w, as defined under RE SPA, Lender shali n�tify B�rrower as required by RESPA, an.d B�rrovver
<br /> shal.�pay to Lender the amount necessary to make up the defi.�xency x.n.accordan.�e wit�a.RE SPA, but ian.no more than
<br /> 1�mont�.y pa�ments. �
<br /> IJpon payment in full of a1I sums secured by this Security In.strum�nnt,Lender�hall promptly refund to Barrower
<br /> any Funds heXd by Lender.
<br /> 4. �harge5; Liens. Borrov�er sha1l pay a1�ta�es,�assessments, charges, f nes, and impositions atirYbutabie to
<br /> the Property which can attain priority over this 5ecur�ty Ir�trument, Ieaseho�d payments or ground rents on the
<br /> Proper�y, rf any, and Community Assoc�.ation Dues, Fees, and Assessments, i.f any. Ta the extent that these items
<br /> are Escrow Items, Borrower sha1l pay them in the manner provide�ua.Section 3.
<br /> Borr�wer shall promptly di�charge any lien wb.�.ch has priority over thi�s Security Instrument unless Borrovver:
<br /> �a}agre�s in v�rztin.g to t�.e paym.ent of the obligation secured�y the l�.en in a manner accepta.bl.e to Lender,but onl�r .
<br /> so long as Barrower �s performing such agreement; �b� contests the lien �n good faith �y, or defend.s against
<br /> enforcement of the l�en in., ��gal proceedan.gs wha'tch i.n Lender's�pin�on vperate ta p�event the enforcement of th�lien
<br /> wh�1e those praceed.�n.gs are pend�ng, but only until such proce�dings are conciuded; or�c}secures fram the ho�der
<br /> of the lien an agreement satisfactory to Lender suhordinating the lien ta t�s Security ent. If L�n.der
<br /> .
<br /> determines that any part of the Prvpex-�y�.s subject to a lien wh�ch can at�aui priority over this Securi.ty Instrument,
<br /> L ender may give Borro�er a notzce xdent�fying the lien. '9LT�t�uu 1 D d.a.ys of the date-��n v�rhxch that natice is g�ven,
<br /> Borrower shall satisfy the�ien�r take on.e or more of the action.s set forth ab�ve i.�.t�i.i.s Section 4.
<br /> Lender may requir�Borrower to pay a one-time charge f�r a real.es�a.te tax verrfica�on andlar reportin�sex v�.ce
<br /> used by Lender in connection w�th this Laan.
<br /> NEERASKA Single Famiiy-�NIF�RM INSTRUMENT , ��� �
<br /> MQD1FlED F�R DEPARTMENT QF VETERANS A�'FAIRS - MERS �
<br /> �Rev. 'I1�'�}"� � � Page 5 of '�4 �vw�►v.�ocrr�ag��.corrr
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