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<br /> Lender may, at any time, col�ec�and hold Funds in an amount�a}sufficient to permit Lender to appl}�the Funds
<br /> at the time specified under RESPA, and�b�not to exceed�he rnaximum amount a lender can require under RESPA.
<br /> Lender s�aa1�estimate the amount of Funds due�n the basas�f current data and reasonable est�ma�es of expend�tures
<br /> af future Escrvw It�ms or o�herwise in accardance with Applicable Law.
<br /> The Funds shall be held in an institut�an whase deposits are insured by a federal agency, inst�umentality, ar
<br /> entity �inc�ud�ng Lender, if Lender �s an �nstitution whose d�pvsits are so insured} or in any Federa� Hflme L�an
<br /> Bank. Lender sha�l apply the Funds to pay the Escraw Items no later than the titne specif ed under RESPA. Lender
<br /> sha�]not charge Borrower for halding and applying the Funds, annually ana�yzing the escrow ac�ount, or�er�fying
<br /> the Escraw Items, unless Lender pays Borrower interest on the Funds and Applicabie LavW permi�s Lender to make
<br /> such a charge. L�nless an agreemen�is made ir�writing or Applicable Law requires interes�to be paid on the Funds,
<br /> Lender shall n�t be requxred ta pay Bor.rovver any �nterest or earnings on the Funds. Barrower and Lender can agree
<br /> in vWriting,havWe�er,that int�rest shall be paid on the Funds. Lender shall gi�e�o Borrower,wi�hout charge,an annual
<br /> accoun�ing of the Funds as required by RESPA.
<br /> �f there is a surplus af Funds held in escrow, as defined under RESPA, Lender sha�1 account ta Borrower far
<br /> the excess funds in accordan�e with RESPA. If tihere is a sh�rtage af Func�s held in escravW, as defined under RESPA,
<br /> Le�der shall notify Borrawer as required by RESPA, and Borrower shal�pay to Lender the amount necessary ta make
<br /> up the shor�age in accordanc�with RESPA, but �n no more�han �2 monthly payments. If ther� �s a def ciency of
<br /> Funds held in escrow, as defined under RESPA, Lender shal�n�tify Borrower as required by RESPA, and Borrower
<br /> . sha11 pay to Lender the amaunt necessary to make up the def ciency in accordance with RESPA, but in no more than
<br /> 12 monthly payments.
<br /> Upon payment�n futl of all sums secured�y�his Security�nstrument, Lender shali pramptly refund tio Borrower
<br /> any Funds held�y Lender.
<br /> 4. Charges; Lieas. Barrower shall pay all taxes, assessments, charges, fines, and impositions attributable ta
<br /> the Property which can attain priority o�er this Securi�y Instrument, leaseho�d payments or ground ren�s an �he
<br /> Froperty, if any, and�ommunity Assaciativn Dues, Fees, and Assessments, if any. To the extent that these i�ems are
<br /> Escrovv I�ems, B�rrower shall pay them in the manner pra�ided in Secti�n 3.
<br /> Barrawer shall prompt�y discharge any lien which has pri�rx�y o�er this Security Instrument unless Borrovver:
<br /> �a}agrees'in writing ta�he payment af the abligation secured by the�ien in a manner acceptable to L�nder, but only
<br /> sa long as Barrawer is performing such agreement; �b} cantests the l�en in gvod faith by, or defends against
<br /> �nforcement of�he lien in, legal proceedings which in Lender's�pinion operate to pre�ent the enforcement of the lien
<br /> while thas�proceedings are pending, but only until such proceedings are concluded; or (c}secures from the holder
<br /> of the lien an agreement sa�isfactory to Lender subordinating the lien to this Secur�ty instrument. �f Lender deterrnines
<br /> that any part af the Property is subject to a lien which can attain priarity o��r this Se�uri�y Instrument, Lender may
<br /> gi�e Borrower a no�ice identif�ing the lien. �Vithin 1�days af the date�n vWhich that not�ce is gi�en, Borrawer shall
<br /> satisfy the 1�en or take one ar mare of the actions set forth ab�ve in this Sec�ion 4.
<br /> 5. Property Insurance, Barrower shall keep the �mpro�ements now exis�ing or hereafter erected on the
<br /> Property insured agains�loss by f re, hazards included w�thin�he�erm "extended ca�erage," and any other hazards
<br /> including, but no� limited to, ear�hquakes and floflds, for which Lender requ�res �nsurance. This lnsurance shall be
<br /> maintained in�he amounts(�ncluding deductible Ie�e1s}and fvr the periods that Lender.requires.What Lender requires
<br /> pursuant �o the preced�ng s�ntences can change during the �erm of the Loan. The insurance carrier pra�iding the
<br /> insurance sha11 be chosen by Borrow�r subjec��o Lender's right to disappr��e Barrower's cho�c�, v►�hich right shall
<br /> not be exercised unreasonably. Lender may require BorrovWer to pay, in cannection wi�h this Laan, eith�r: �a} a
<br /> one-time charge f�r flaod zone determination, certif catinn and tracking ser�ices; or�b)a ane-time charge for flaod
<br /> zone determinatian and certification ser�ices and subsequent charges each�ime remappings o.r similar changes o�cur
<br /> which reasonably might affect such determinatian or cer#ifica��an. Borr�wer shall alsa be responsible for the payment
<br /> of any fees i_mp�sed by the Federal Emergency Management Agency in connect�on with the re�iew af any flood zone
<br /> de�ermination resulting frnm an obj�ction by Borrawer. �
<br /> If Borrower fails t�maintain any of�he co�erag�s describ�d aba�e, Lender may obtain insurance coverage, at
<br /> Lender's apt�on and Borrower's expense. Lender is under no obligation t�purchase any particular type or amount
<br /> NEBRASKA FHA DEED �F TRLJST - MERS DvcAllagic a
<br /> N ED�TZ2.FHA 091�4115 Pag e 5 of �3 www.docmagic.cvm
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