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<br /> Lender may,at any time, callect and hold Funds in an amount�a�sufficient to permit Lender to apply the Funds
<br /> at the time sp�cified under RESPA, and�b�not ta exceed the maximum amaunt a lender can require under RESPA.
<br /> Lender shall estimate the amaunt af Funds due nn the basis of current data and reasanable estimates of expenditures
<br /> af future Escrow Items vr otherwise in accardance with Appii�able Law.
<br /> The Funds shall be heid in an institutian whose deposits are insured by a federal agency, in�trumentality, ar
<br /> entity (including L�nder, if Lender is an instituti�n whose deposits are so insured� or in any Federal Home Lvan
<br /> Bank. L ender shall app Iy the F unds to pay the E scraw Item s no 1 ater than the tim e spec i fied under RE SPA. L ender
<br /> sha11 no�charge Borrower far ho�ding and applying the Funds, annually anaiyzing the escrow account, ar�erifying
<br /> the Escrvw��ems, unless Lender pays Bvrrower interest on the Funds and Applicable Law permits Lender ta make
<br /> such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds,
<br /> Lender shall n�t be required to pay Borrower any interest vr earnings on�he Funds. Borruwer and Lender can agree
<br /> in writing, howe�er,that interest shail be paid an the Funds. Lender shall gi�e to Borrower,vWithaut charge,an annua.l
<br /> accaunting of the Funds a,�requ�red by RESPA.
<br /> If there is a surplus of Funds held in es�row, as defined under RESPA, Lender shall account ta Borrawer for
<br /> the excess funds in accordance with RESPA. If�here is a shortage af Funds held in escrow, as defined under RESPA,
<br /> Lender shal�notify Borrower as requ�red by RESPA, and Borrower shall pay to Lender the amount necessary to make
<br /> up the shortage in accordance vvith RESPA, �ut in na mare than 1� monthly payments. �f there is a�ieficiency nf
<br /> Funds held in escrow, as defined under RESPA, Lender sha11 natify B�rr�wer as re�uired by RESPA, and Bvrrower
<br /> shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in n�more than
<br /> 1�month�y payments.
<br /> iJpon payment in full of all sums secured by this Security Instrument, Lender shali promptly refund to Barrow�r
<br /> any Funds held by Lender.
<br /> 4. Charges; Li�ns. Borrower shal�pay a�l taxes, assessments, charges, fines, and imp�sitions attributable ta
<br /> the Property vWhich can attain priority a�er this Security Instrument, �easehold payments or ground rents on the
<br /> Property, if any, and Community.Association Dues, Fees, and Assessments, if any. To the extent that these items are
<br /> Escrow Items, Bvrrower shall pay them in the manner pr��ided in Section 3.
<br /> Barrower shall promptly dischar�e any lien which has priority o��r this 5ecurity Instrum�nt unless B�rrawer:
<br /> �a�agrees in writing tn the payment of the obligation secured by the lien in a manner acceptable to Lender, but only
<br /> so long as Borrower is performing such agreement; ��} contests the lien in g�od faith by, or defends against
<br /> enforcement of the lien in, legal proceedings whi�h in Lender's opinion aperate to pre�ent the enfarcement of the lien
<br /> while thvse proceedings are pending, but anly until such proceedings are cvn�luded; or �c}secures from the holder
<br /> of the lien an agreement satisfa�tvey to Lender subardinating the lien ta this Security�nstrument. If Lender determines
<br /> that any par�af the Property is subject to a lien which can attain priority o�er this Security Instrument, Lender may
<br /> give Borrovver a notic�identifying the lien. Within ��days of the date on which that n�tice is gi�en, Borrow�r sha�l
<br /> satisfy the lien or take one ar more of the actions set for�h abo�e in this Sectian 4.
<br /> 5. Property Insuran�e. Borrower shall keep the impro�ements now existing or hereaf�er erected on the
<br /> Property insured against loss by fire, hazards included within the term "extended co�erage," and any other hazards
<br /> including, but not limited to, ear�hquakes and floods, for which Lender requires insurance. This insurance sha11 be
<br /> maintained�n the amounts�inc�uding deductible 1e�els}and for the periods that Lender requires. �Vhat Lender requires
<br /> pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier pro�iding the
<br /> insurance sha11 be chosen by Borrower subject to Lender's right to disappro�e Borrawer's choice, which righ�shall
<br /> n�t be exercised unreasonab�y. Lender may require Barrower to pay, in cannecti�n with this Loan, either: �a} a
<br /> one-time charge for flood zone determination, certification and tracking ser�ices; or�b}a one-ti_me charge for flood
<br /> zane determ�nation and cert�fication ser�ices and subse�uent charges each��me remappings�r simiiar changes occur
<br /> which reasonably might affe�t such determination or certifica�ion. Barr�wer sha11 also be responsible far the payment
<br /> of any fees irnposed by the Federal Emergency Managemen�Agency in connection with the re�iew of any flood zone
<br /> determination resulting from an abjec�ion by Borrawer. �
<br /> If Borrower fails ta maintain any af the co�erages described abo�e, Lender may obtain insurance cv�erage, at
<br /> Lender's optian and Borrower's expense. Lender is under no abligation tv purchase any particular type ar amount
<br /> NEBRASKA FHA DEEa �F TRUST- MERS D�CI�►�agi� o
<br /> N E�TZZ.FHA �9114115 Pag e 5 0� �3 www.dvcmagic.com
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