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<br /> "co�enant and agreement" is used in Section 9. If Barr�wer is obligated to pay EscrovW Items directly, pursuant to
<br /> a wai�er, and Barrawer fails tfl pay the amount due for an Escrovv�tem, Lender may exercise its rights under Secti�n
<br /> 9 and pay such amount and Borrower sha�l then be vbligated under Sec�ion 9 to repay to Lender any such amount.
<br /> Lend�r may re�oke the wai�er as to any or all EsCrow�tems a�any time by a notice gi�en in accordance wi�h Section
<br /> 15 and, upon such revoca�ian, Borrower shall pay to Lender all Funds, and in such amoun�s, �hat are�hen required
<br /> under this Section 3.
<br /> Lender may, at any time, �ol��ct and hold Funds in an amount�a�sufficient to permit Lender to apply the Funds
<br /> a�the tune specified und�r RESPA, and�b}nat to exceed the maximum amount a lender can require under RESPA.
<br /> Lender sha11 esti_ma�e the am�unt of Funds due on the basis of current data and reasonable estimates of expend�tures
<br /> af future Escrov�Items or otherwise in accordance vWith Applicable Law.
<br /> Th� Funds sha�l be held in an institution whose deposits are insured by a federal agency, �nstrumentali�y, vr
<br /> enti�y (including Lender, if Lender is an�nstitutivn whose deposits are so insured} or in any Federal Home Loan
<br /> Bank. Lender sha�l apply the Funds to pay th�Escrow�tems no later than the time spec�fied under RESFA. Lender
<br /> shall nnt charge Burrower for halding and applying the Funds, annually analyzing the escr�w account, or�erifying
<br /> the Escrow��ems, unless Lender pays Borrawer interest�n the Funds and Applicahle Law perm�ts Lender�o make
<br /> such a charge. Unless an agreement is made in writing�r A�plicab�e Law requires interest to be paid on the Funds,
<br /> Lender shall not be required to pay Borrower any in�erest ar�arnings on the Funds. Borrov�er and Lender can agree
<br /> in writing, hawe�er, that interest sha11 be paid an�he Funds. Lender shall give to Borrnwer, without charge, an
<br /> annual ac�ounting of the Funds as required by RESPA.
<br /> If there is a surplus vf Funds held in escrow, as defined under RESPA, Lender shail account to Borrower f�r
<br /> the excess funds in accordance with RESPA. If there is a shartage of Funds held in escrow,as def�ned under RESPA,
<br /> Lender shall notify Borrower as required by RESPA, and Borrower sha1�pay ta Lender the amaunt necessary ta make
<br /> up the shortage in a�cordance with RESPA, but in no more than 1�m�nthly paymen�s. If there is a defi�iency af
<br /> Funds h��d in escrow, as defuaed under RESPA, Lender shall notify Borr�wer as required by RESPA, and Barrower
<br /> shall pay to Lender the amount necessary to make up the deficiency in accordance with RESFA, �ut in no mvre than
<br /> �2 manthly payments.
<br /> Upon payment in ful�of all sums secured by this Security Instrument, Lender shall promptly refund t�Bnrrower
<br /> any Funds held by Lender.
<br /> 4. Charges;L�ens. Borrawer shali pay a�1�axes, assessments, charges, f�nes, and impos�tions attribu�able to
<br /> the Property which can attain pr�vrity a�er this Security Instrument, leasehold payments or graund rents on the
<br /> Property, if any, and Community Assaciation I7ues, Fees, and Assessments, if any. To the �xten�that these items
<br /> are Escraw�tems, Barrow�r shall pay them in the ma.nner pro�ided in Section 3.
<br /> Borrower shall prompt�y discharge any lien which has priori�y o�er this Security Instrument unless Borrower:
<br /> �a�agrees in wri�ing to the payment vf�he obliga�ion secured by the�ien in a mann�r a�ceptable to Lender,but only
<br /> so long as Borrower is performing such agreement; �b� contests the lien in go�d faith by, vr defends aga�nst
<br /> enforcement vf the lien in, ��ga1 praceedings vvhi.ch in Lender's apinion operate to pre�ent�he enforcement of the lien
<br /> wh�le those proceedings are p�nding, but on�y un�i1 such proceedings are concluded; or(c} secures fr�m�he ho�der
<br /> af the lien an agreement satisfac�ory to Lender subordinating the lien �o th�s Security Instrument. �f Lender
<br /> determines that any part vf the Property is subject t� a lien which �an attain pri�rity��er th�s Security Instrument,
<br /> Lender may give Borrower a natice �dentifying �he lien. Within 1� days of the date on which that no��ce�s gi�en,
<br /> Borrower shal� satisfy the�ien or take ane or more�f the actions set forth abo�e �n this Sect�on 4.
<br /> Lender may require Borrower tv pay a ane-time charge for a real estat�tax�erif cation andlor reporting ser�ice
<br /> used by Lender in cannection with this Loan.
<br /> 5. Property Insurane�. Bvrrower shall keep the impro�ements now existing or hereafter erec�ed on the
<br /> Property insured against loss by fire, haza.rds included within the term "extended co�erage," and any other hazards
<br /> �ncluding, but not limited to, ear�hquakes and floads, for which Lender requ�res insurance. Th�s insurance shall be
<br /> maintained �n the amoun�s (�n��udifng deduc�ib�e le�els� and for the periods that Lender requires. �Vha� Lender
<br /> requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier pro�iding
<br /> the insurance shall be chosen hy Barrower subject to Lender's right to disappra�e Barrower's ch�ice,which right shall
<br /> NEBRASKA Sing�e Family--Fannie MaelFreddie Mac LlNIFQRM 1NSTRUMENT- MERS Dar.�+�a�lc
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