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2� 1 ��3�21 by Borrower, and such dues, fees and assessments shall be an Escrow Item.Barrower shall promptly furnish ta Lend�r a�l notices of amaunts t�be paid under this Sec�i�n. Borr�wer shall pay Lender the Funds far Escrow Items unless Lender vvaives Borrower's obligation ta pay the Funds for any or all Escrow Items. Lender may waive Borrower's�bligation to pay to Lender Funds for any or a�l Escrow Items at any time. Any such waiver may only be in writing. In the event�f such wai�er,Borrower shall pay directly,vvhen and where payable,the amounts due for any Es�rovv Items for�vhich payment of Funds has been waived by Lender and, if Lender requires, shall furnish ta Lender receipts e�idencing such payment within suCh time period as Lender may require. Borrovver's obligation to make such payments and to pro�ide receipts shall for alI purposes be deemed ta be a co�enant and agr�ement contained in th�s Security Instrument, as the phrase "co�enant and agreem�nt" is used in S�Ctl�il�. If Borrawer is ob�igated t�pay Escrov�Items direct�y,pu�suant to a vvaiver, and B�rrower fails to pay the amount du�far an Es�row Item,Lender may exercise�ts rights under Section� and pay such amount and B�rrower sha�l th�n be obligated under Section�to repay t�Lender any such amount. Lender may revoke the vva��er as t�any or al�Escr�w Items at any time by a not�ce gi�en in accardance with Section 15 and,upon such revocation, Barrawer shall pay to Lender all Funds, and in such amounts,that are then required under this Se�tian 3. Lender may, at any time, c�llect and ho�d Funds in an amount(a} sufficient to permit L�nder to apply the Funds at the time specified under RESPA,and(b)not to exceed the maximum amount a lender can r�quire under RESPA. Lender sha11 estimate the amount of Funds due on the basis of current data and reasonahle estimates of expenditures of future Escraw Items or otherwise in accordanCe vvith Applicable Lavv. The Funds shall be held in an institution vvhose deposits are insured by a fed�ral agency, instrumentality, or entity�including Lender, if Lender is an inst�tution whose deposits are so insured} or in any Federal Home Loan Bank. Lender shal�apply the Funds to pay the Escrow It�ms no later than the time specified under RESpA.Lender shall not charge Borrower for hold�ng and appiying the Funds, annua�ly analyzing the escrow account, or�erifying the Escrow Items, unless Lender pays B�rrower interest on the Funds and Applicab�e Law permits Lender to make such a charge. Unless an agreement is made in wr�ting or Applicable Law requires interest to be paid on th�Funds}L�nder shall not b�required to pay Borrovver any interest or earn�ngs on the Funds. Borrovver and Lender can agree in writing,however,tha��nterest shal�be paid an the Funds. Lender sha�l give ta Borrower,without charge, an annual accounting�f the Funds as required by RESPA. If there �s a surplus of Funds he�d in escrow,as def n�d under RESPA, Lender sha�l account to Borrower for the excess funds in accordance With RESPA. If there is a shartage of Funds he�d zn escrovv,as defined under RESPA, L�nder shall notify B�rrovver as required hy RESPA,and Borr�Wer shail pay to Lender the amount n�cessary to make up the shartage in accordance with RESPA,but in no more than 12 month�y payments. If there is a deficiency af Funds held in escrow, as def ned under RESPA, Lender shall n�tify Borrower as r�quired by RESPA, and Barrower shal�pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 1� monthly payments. Upon payment in full of a�l sums se�ured by this Security Instrument,Lender shall pr�mptly refund to Borrovver any Funds held by Lender. Hc��-0o�5s NEBRASKA-5ingie Family-Fannie MaelFreddie Mac UNIFQRM INSTRLiMENT Form 3028 11�1 VM P�] 1�I15 Wvlters K�wver Financial 5ervices 2�15�5�4�5.3.2.35D9-J2015103�Y Page 5 of�7 *79�597716 15*