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<br /> � 2� 1 ���857
<br /> Lend�r may, at any time, collect and hold Funds in an amount�a}sufficient to permit Lender to apply the Funds
<br /> a�the time speci�ed under RESPA, and�b�nat to exceed the maximum amnunt a lender can require u.�der RESPA.
<br /> L�r�c��r shall estimate�he arr�aunt of Funds du��n the basis of�urrent data and reas�nable est�mates�f expenditures
<br /> �f future Escrow I�ems or otherwise in accordance with Applicable Law.
<br /> The Funds sha11 be h�id in an institution whose deposits are insured by a federal agency, instrumentality, �r
<br /> en�ity �including Lender, if Lender is an institution whnse depnsits are so insured} or in any Fed�ral Home Loan
<br /> Bank. Lendex�sha11 apply the Funds t�pay the Escr�w Item�no lat�r than the t�me spec�fied under RE��'A. Lender
<br /> i
<br /> shall n�t charge Borrower far halding and applying the Funds, annually analyzing the es�r�w account, �r verifying
<br /> the Escrow Items, unle�s Lender pays Borrow�r interest�n the Funds and Applicable Law permits Lender tv make
<br /> such a charge. Unless an agreem�nt is mad�in writing or Applicable Law requires intere�t to be paid on the Funds,
<br /> Lender sha11 not be required ta pay Borrower any interest ar earx�ings on the Funds. B�rr�w�r and Lender can agr�e
<br /> �n writing, howe�er,that interest shall b�paid on the Funds. Lend�r sha11 give to Borrower,without charge,an anrival
<br /> accounting of t�he Funds as required by RESPA..
<br />� If there is a surplus of Funds held in escrow, as defined under RES�'A, Lender sha11 accaunt to Borrower for
<br /> the e�cess funds in accordance with RESPA. If there is a shvrtage of Funds he�d in escrQw,as d�fined under RESPA,
<br /> Lenc�er shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary ta mak�
<br /> up the shortage in aceordance with R.�SPA, but in no m�re than 12 monthly payments. If th�re is a def�ciency of
<br /> Funds held in escraw,as defin�d under RESPA, L�nder shall notify Barravver as r�quir�d by RESPA, and Borrower
<br />' sha11 pay to Lender the amaunt necessary�o make up th�deficiency in accordance with RESPA, but in no mare than
<br /> �2 ma�th�y pa�rnents.
<br /> Upan payment in full of all sums secured by this Security Instrument,Lender shail promptly refund to Borrower
<br /> any Funds held by Lender.
<br /> 4. Charges;Liens. BnrroWer sha11 pay a11 taxes, assessments, charges, fines, and irnpositians at�ributa�le to
<br /> the Property which can attain�riarity over this Security ��strument, leasehold payme�ts �r ground �er�ts on th�
<br /> Property, if any, and Cvmmunity Asso��ation Dues,F�es,and Assessments, if any. Ta the extent that these items are
<br /> Escraw Items, B�rr�wer sha11 pay�hem in the manner pr��id�d in Section 3.
<br /> Barrovver shall pr�mptly discharge any lien which has priority over this Securi�y Instrument unl�ss Borrower:
<br /> �a�agrees in writing tn the payment of the obligation�ecured by the lien in a manner acceptable to L�nd�r, but ar�ly
<br /> s� long as Borr�wer is perform�ng such agreement; �b} contests the lien in gaod faith by, or defends against
<br /> enforcement of�he�ien in, legal pr�ceedings Which in Lender's opinivn operate tv pre�ent the enf�rcement of the lien
<br />� while thase proceedings are pending, but anly until su�h proceedzngs are cancluded; or �c}se�ures from th�halder
<br /> of the lieri an agreem�nt satisfactvey to Lender sul�orclinating the lien t�this S��urity Instrum�nt. If Lender determ�nes
<br /> that any part af the Proper�y is subj ect to a��en which can a�tain prior�ty over this Security Ins�rurnent, Lender may
<br />, gi�e Borrawer a notice identifying the 1ien. Within 10 days�f the date on which tha�notice is gi�en, Borrnw�r sha11
<br /> sa�isfy the li�n or take one tir more�f th�actions set forth abo�e in this Sec�ion 4.
<br /> 5. Property In�uran�Q. Borrawer sha11 keep the improvements no�v existing or hereafter erected on the
<br /> Prope�;ns�rec�agair�st loss by f�re, hazards inc�ude�i with�n the term"ex�ende�i c�verage," and any ather hazards
<br /> in�luding, but not limited to, earthqual��s and floods, for which L�nder r�quires insurance. This insurance sha1�be
<br /> main�ain�d in the amounts�including deductible levels}and for th�peri�ds that Lend�r requ�res.What Lender requires
<br /> pursuant ta the preceding sentences can ehange during the �erm of the Loan. The insuranc� carrier providing the
<br /> �nsurance shal�be�hos�by Borrower subject to Lender's right to d�sappra�e�orrower's choice, v�ahi�h right shal�
<br />� . .
<br /> �ot be �xer�ised unreasonably. Lender may requlre Borrower to pay, �n connection with this Loan, eith�r: �a� a
<br /> �ne-time charge for flood zone determination, certification and tracking ser�ices; or�b}a one-time charge for flood
<br /> �one determinati�n a.nd certification services and subse�uent charges each t�m�remappings ar similar changes occur
<br /> which reasonably migh�affeCt such d�terminatian�r c�rtifiCation. Borr�wer shall alsa be re�p�nsible for the payment
<br /> � of any fees imposed by the Federal Emergen�y Management Agency in connection with the revi�w of ax�y flood zone
<br /> determinatior�res�lting from an objectian by Borrower.
<br /> If B�rrower fails to mazntain any�f th�c�verages described abvve, Lender may ob�ain insurance coverage, at
<br /> Lender's option and Barrow�r's expense. Lend�r is under no obligation to purchase any particu�.ar type or amaunt
<br /> NEBF�►5KA FHA DEED OF TRUST-MERS p��y�g��
<br /> [�F�DTZZ.FHA �91'I 4f 15 Page 5 of �3 www.docmag�c.com
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