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								    																		2� 15�759�
<br />			obligation to pay to Lender Funds f�r any�r a�l Escrow Items a�any time.Any such waiver may only
<br />			be in writing.In the event of such vvaiver,Borro�ver shal�pay dir�ctly,when and wher�payabl�,the
<br />			amounts due f�r any Es�ro�v Items f�r v�hich payment of Funds has been waiv�d by Lender and,if Lender
<br />			requires, shall furnish�o Lender receipts e�riden�ing such paym�nt with�n such time p�r�nd as Len�er
<br />			may require.Barrawer's obliga�ion to make such paymen�s and ta provide recei.pts shall for a��purposes
<br />			be deemed to be a covenant and agreement contained in this Se�urity Instrument,as the phrase"covenant
<br />			and agreement"is used in Sectian 9.If Borrower is abligated to pay Escrovv I�ems directly,pursuant to
<br />			a waiver,and Borr�wer fails to pay the amflunt due for an Es�row I�em,Lender may exercise i�s rights
<br />			under Secti�n 9 and pay such amount and Barrov�er shal�th�n be obligated under S�ction 9 to repay to
<br />			Ler�der any such am�unt.Lender may revoke the waiver as t�any or all Escrfl�Items at any tim�by a
<br />			notice given in accordance tivith Sectian 15 and,upon such r�vocatian,Borrower shall pay ta Lender all
<br />			Funds,and in such amvunts,that are then required under this Section 3.
<br />			Lender may,at any time,�ol�ect and hold Fu�ds in an amount�a} sufficient to permit Lender to apply
<br />			the Funds at�he time specified under RESPA, and���not to�xceed the maximum amount a lender can
<br />			require under RESPA. Lender shall estimate the arnount af Funds due on the basis of current data and
<br />			reasonable estimates af expenditures flf future Escr��u��ems ar otherwise in a�c�rdance with Appli�able
<br />			Law.
<br />			The Funds shall be held in an institutian vvh�se depflsits are insur�d by a federal agency,�nstrumentality,
<br />			or entity�in�luding Lender,if Lender is an institution whose deposits are sa�nsured}or in any Federal
<br />			Home L�an Bank.Lender shall apply the Funds to pay the Escr�w Items no�ater than�he�ime specified
<br />			under RESPA.Lender sha11 n�t charge Bflrrower for holding and applying the Funds,annually analyzing
<br />			�he escrovv ac�ount,or verifying the Escrow��ems,un�ess Lender pays Borrower inter�st on�he Funds
<br />			and Appl��able Law permits Lender to make su�h a charge.Unless an agreement i�made in writing�r
<br />			Appli�able La�v requires interest t�be paid an the Funds,Lender shall nflt be re�u�red to pay Borro�ver
<br />			any int�rest ar earnings on th�Funds.Borro�ver and Lend�r can agree�n writing,howe�er,that interest
<br />			shall be paid on th�Funds.Lender shall give to Barrovv�r,without�harge,an annua�accauntin��f th�
<br />			Funds as r�quired by RESPA.
<br />			If there is a surplus of Funds h�ld in esera�,as de�n�d under RESPA,Lender shall ac��unt to Barrower
<br />			fnr the ex��ss funds in acc�rdar�ce with RESPA.If there is a shortage of Funds held in escrovv,as de�ned
<br />			under RESPA,Lender sha11 notify�3orrower as required by RESPA,and Borrower shall pay ta Lender
<br />			the amount n�cessary ta make up the shortage in acc�rdance with RESPA,but in no more than 1�monthly
<br />			payments.If there is a defici�ncy of Funds h�ld in escrovv,as defined under RESPA,Lender sha��notify
<br />			Borr�vver as r��uired by RESPA,and Borr�wer shal�pay t�L�nd�r the am�unt necessary t�mak�up
<br />			the deficiency in accordance v��th RESPA,but�r�no mor�than 12 monthly payments.
<br />			Up�n payment in full of a�l sums secured by this Security Instrument,Lender sha�l pramptly refund to
<br />			B�rrower any Funds held by Lender.
<br />			4.Charges; Liens.Borr�wer shall pay alI ta.�es,assessments,charges,fines,and impos�tions attributable
<br />			�o the Pr�perty which can attain priority over�his Security Instrument,leasehold payments ar graund
<br />			rents�n the Property,if any,and��mmunity Asso�iati�n Du�s,Fees,and Assessm�nts,if an}�.T�th�
<br />			�xtent that these�t�ms are Es�r�w Items,Borrovver shall pay them in the manner pr��zded in Section 3.
<br />			HCFG-D�359
<br />			NEBRASKA-Single Family-Fannie MaelFreddie Mac UNiF�RM INSTRUMENT       						Form 3028 91�'I
<br />			VMP�   														�31�5
<br />			Wofters Kluwer Financial Sen►ices      		2�151 Q�915.2.�.3298-J2015050SY  					Page 5 of 1?
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