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<br /> ma�rcquirc.B�rrawcr's ob�igafi�n�o make such paymcnts and to pro�ridc r��eipts shall for al�purposes
<br /> be deemed to be a covenant and agreernen.t�ontained in tha.s Securxty Ins�rument,as the phrase"covenant
<br /> and agreement" �s used in Sec�ion�. Zf Borrower is obZ�gated�o pay Escrow T�ems directl�, pursuan�to
<br /> a vvaiver,and Borrau��r fail.s�o pay the am�un.t due for an Escr�w It�rn,Lender may cxercise its rights
<br /> under Section 9 and pay such amoun�and B�rrower sha�l then be abliga�ed under Sectian 9 to repay ta
<br /> Lender any such am�unt. Lender may re�ol�e�he�ua�ver as�o any or a�l Escra�v���ms at any t�rn�by a
<br /> not�ce�rven in ac�ordancc with Sectian 15 and,upfln such revQca�i�n, Borrower sha�.l pay�o Lender al�
<br /> Funds, and in such amounts,that ar�then requ�red under�his Sect��n 3.
<br /> Lender ma�,at any time,c�lle�t and h�ld Funds in an amaun��a} suffic�en.t�o pe�7nit Lender�a apply
<br /> the Funds at�he tim�specified under RESPA,and�b}not�o exceed the maximum amaunt a lender can
<br /> requ�re under RESPA. Lender shall es�irna�e t1�e amount af Funds due an�he hasis of current data and
<br /> reasonable estzmates of e�penditures of future Escro�v Items or.�therwis�in a�cordanc�with App�icab�e
<br /> Law.
<br /> The Funds shali be held in an ins�ituti�n whase de�osits are insured by a federal agency,instrumen�a�ity,
<br /> �r entit��including L�nder,if Lend�r is an inst�tution�vh�s�dep�s�ts are s�insured�or in ar�y F�dera�
<br /> Hame Loan Bank. Lender shall apply the Funds�o pay the Escrov�I�ems n�later than the tirne specified
<br /> under RE�PA.L�nder shal�no�charg�Borrower f�r ho�d�ng and applying the Funds,annua�ly anal�zing
<br /> the es�rav�account,or verifying�he Escra�v Items,un�ess Lender pays�orro�ver�nfer�st on the Funds
<br /> and Applicable Law p�rmi�s Lender to make su�h a�harge. Unl�ss an agr�emen�is made in wr�ting�r
<br /> App�icab��Law requires interest to�e paid on the Funds, Lender shall not be required to pay Borrower
<br /> any interest ar earn�ngs on t.he Funds.B arrawer and Len der can agree i n u�ri�xn g,h ov�e�er, th at�n terest
<br /> shal�be paid on the Funds. Lender sha��g��e t�Borrower,vvithQut charge,an.annual.accoun��ng of�he
<br /> Funds as required by RESPA:
<br /> �f there�s a surp�us of Funds held in�scrow,as d�fin�d under RESPA,Lender shall acc�unt f�Bon ower
<br /> for the excess funds in accordance w�th RESPA.Tf there is a sh�rtage of Funds held in�scrow,as d�fined
<br /> under RESPA,Lender shall notify Borr�wer as requ�red by RESPA,and Borr�v�er shal�pay to Lender
<br /> �he arnoun�necessary to ma�.e up�he shortage in ac�or�ance v�ith RESPA,but in no more�han 12 monthly
<br /> payments.If there is a def�iency of Funds h�ld in�scrow,as defined under RESPA,Lender sha�1 nfltify
<br /> Borrower as requtred by RESPA,and Borrov�er s�ia11 pay tv L�nder�he amount neGessary to rnake up
<br /> the defi�ienc�in acc�rdance vvith R.ES�'A,but�n no mare than 1�manthly paymcnts. .
<br /> Upon�ayment in fu�l of all sums secured b}�this Security In.s�rument,Lender sha��pr��npt�y refund to
<br /> Barrower any Funds held by Lender.
<br /> 4.Charg�s; Liens.Borrower sha1�pay all taxes,assessznen�s,charges,f nes,and i�npositi�ns a�tr�bu�ab�e
<br /> tn the Proper�y which can attain priflr�ty av�r�his Secur��y Ins�rument, leasehflld�a�rments or�round
<br /> r�nts on the Property, if any, and Community Assoc�ati�n Dues,Fees,and Assessmen�s, �f any. To the
<br /> extent that th�se items are Escrow Itern.s,Borr�w�r sha11�ay tl�em �n�he manner prc�vided in Sect�on 3.
<br /> . . Barrower shall prfl�a.p�ly discharge an.y lien which has prior�ty over�his Security Instrument un�ess
<br /> Borrower:�a�agrees in v�rri�:�ng to�he payment of the abligat�on secured hy the lien in a man.ner accepfable
<br /> to Lender,but on�y so long as Borrower is perfarming such agr�ernent;�b�cont�sts the�ien zn gnad fai�h
<br /> by, �r defends against enfarcem�n�of the�ien in, legai proceed�ngs v���ich in Lender"s �pini�n�perate
<br /> HCFG-d0359
<br /> NEB#�ASKA-5ingle Family-FanRie MaelFr�ddie Mac LINIFQRM iNSTRUMENT Form 3��8 i101
<br /> VM P�3 �31'�5
<br /> Wolte�s Kluwer Financia�Services 2Q15�91115.Z.Q.3237-J2��5�546Y Page 5 of'{7
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