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<br /> Lender may, at any time, ca�lect and h�ld Funds�n an amount�a}sufficient to permit Lender to apply the Funds
<br /> at the time specified under RESPA, apd�b}not to exceed the maximum amount a lender�an require under RESPA.
<br /> Lender shall es��mate the amoun�of Funds due�n th�basis of current data and reasonable estimates of expendi�ures
<br /> of future Escravv �tems or otherw�se in accordance vvith Appl icabte Law.
<br /> The Funds shall be held �n an instirution whose deposits are insured by a federal agency, instrumentality, or
<br /> ent�ty �including Lepder, rf Lender is an institution whose depas�ts are so insur�d} or in any Federal Hame L�an
<br /> Bank. Lender sha11 apply the Funds to pay the Escrow Iterns no later�han the time specified under RESPA. L�nder
<br /> shall n�t charge Borrawer far holding and applying the Funds, annually ana�yzin� the escrovv account, or�erifying
<br /> �the Escrovv Items, unless Lender pays Barrower interest on �he Funds and Applicable Law permits Lender to make
<br /> such a charge. Unless an agreemen� is made in writing or App�icahle Law requires interest to be paid on the Funds,
<br /> Lender shall pot be re�uired to pay Borrower any interest or earnings on the Fupds. Borrower and Lender can agree
<br /> in writ�ng, hnweWer,�hat interest shall be paid an the Funds. Lender shall gi�e to Borrower,vvith�ut charge,an annual
<br /> accounting of the F unds as re�uired by RE SPA.
<br /> If there is a surplus of Funds he�d in escrow, as defned upder RESPA, Lender shall account to Borra�er for
<br /> the excess funds ip accordance vv��h RESPA. If there is a shortage of Funds held in escrovv, as defned under RESPA,
<br /> Lender shall no��fy Borrower as re�uired by RESPA, and Borrower shall pay tio Lepder the amoupt necessary to make
<br /> up the shortage ip a�cordance w�th RESPA, but in no more than I2 month�y payments. If there is a deficiency of
<br /> Funds held in escro�, as defined under RESPA, Lender shall not�fy Barr�wer as required by RESPA, and Barrow�r
<br /> sha�l pay to Lender�he amount necessary ta make up the deficiency in accardance with RESPA, but in na more thap
<br /> �� m�nthly payments.
<br /> Upon payment in ful�of all sums secured by this Securi�y Instrum�nt, Lender shall pr�rnpt�y refund to Borrovver
<br /> any Funds held by Lender.
<br /> 4. Charges; L�ens. B�rrower shall pay al�taxes, assessmen�s, charges, fines, and impositians attributa�le to
<br /> the Property which �an a�tain pr�or�ty o�er this Se�uri�y �nstru�nen�, leasehald payments or ground rents on the
<br /> Property, if any, and Community Associat�or� Dues, Fees, and Assessmen�s, if any. To the extent that these i�ems are
<br /> Escrow Item s, Borrower shall pay them in the manner pra�ided in Section 3.
<br /> Borr�wer shall promptly discharge any lien v�hich has pr�ority a�er this Security Instrulr��nt unless Borrower:
<br /> �a�agrees in wri�ing ta the payment of the obligation secured hy the lien in a manner acceptable�o Lender, but only
<br /> sa long as Borrower is perforrning such agreement; �b� contests th� lien in good faith by, or defends against
<br /> enforce�nent of�he�ien in, legal praceedings which ip Lender's opinion operate to pre�ent the enforcement af the liep
<br /> whiie those proceedings are pending, but on]y until such proceed�ngs are con�Iuded; or �c�secures from the ho�der
<br /> of the lien an agreemen�satisfactory to Lender subord�nating the lien to this Security Instrument. If Lender de�ermines
<br /> �hat any part�f the Property �s subject to a�ien vvhich can attain priority o�er�his Security Instrumen�, Lender may
<br /> give Borrower a no�ice identifying the l�en. Within 1�days of�he date an which that no�i�e is g��en, Borrow�r shaIl
<br /> satisfy the lien ar take ane or more of the act�ons set farth abo�e in this Section 4.
<br /> 5. Property Insurance. Borrovver sha�l keep the impro�ements now existing or hereafter erected on the
<br /> Prope�ty insured aga�ns�loss by fire, hazards rncluded vv�thin �he term "ex�tended co�erage," and any ather haza�ds
<br /> �ncluding, but not �imited to, earth�uakes and flaods, for which Lender requires insurance. �`his insurance sha�l be
<br /> main�ained�n the amaunts(in�luding deduct�ble le�els}and for the periods that Lender re�uires. What Lender requires
<br /> pursuant �a the preceding sentences �an change during the term of the Loan. The insurance carrier pro�iding the
<br /> insurance shall be chosen by Barrower subject to Lender's right to disapprave Borrower`s choic�, which right sha�l
<br /> no� be exercised unreasanably. Lender may require Barrawer �o pay, in cannection with this Lflan, either: �a} a
<br /> one-tirne charge for f�ood zane determination, cer�ificatiop apd tracking ser�ices; ar�b}a ane-time�harge f�r f�ood
<br /> zone deter�nina�ion and certrfication ser�iGes and subse�uent charges each time remappings ar simi�ar changes occur
<br /> which reas�nably might affect su�h deterrnination ar certification. Borrower sha�l also be respons�ble for the payment
<br /> af any fees�mpased by the Federal Emergency Management Agency in connectian with the revievv of any fload zane
<br /> determina�ian resulting from an objecti�n by Borrower.
<br /> If Borrawer fails to maintain any af the co�erages des�ribed abo�e, Lender��ay obtain insurance coverage, a�
<br /> Lender's optinn and BorrQwer's expense. Lender is under no obligatian to purchase any particular type or amount
<br /> NEBRASKA FHA DEED �F TRUST - MER� �a�M�9�� �
<br /> N Ea�T��.FHA �91141�� Page 5 of �3 www.docmagic,com
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