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<br /> "co�enan�and agreement" xs used xn Sect�on 9. If Borrower zs o�blzaated�o pay Escrow Items direc�Iy, pursuant to
<br /> a waiver, and Borrotiv�r fails to pa�the amaunt due for an Escro�v Item, Lender may exerci�e i�s rights und�r Section
<br /> 9 and pay such amoun�and Borrower sha��then�e obl�ga�ed under Sec�ian 9 to r�pay to Lender any such amount.
<br /> Lender may revoke the wa�ver as�o any or al�Escraw Items at any�im�by a not�ce given in accardance with Secti�n
<br /> I S and, upon such re�ocation, Borrower shall pay�o Lender aII Funds, and in such amounts, that are then required
<br /> under this Sec�ion 3. �
<br /> Lender may, at any�.xn�, co��ect and hoXd Funds zn an amount�a)suff�cient ta permit Lender�o appiy the Funds
<br /> at the time spe��fied under RJESPA, and�b}no��o exceed the maxzmum amount a�ender can r�quire under RESPA.
<br /> Lender sha��es�.ma�e�he amount af Funds due�n the bas�s of current data.and reasonable es�imates of expendi�ures
<br /> of future Escro�v Items or��herwise in acc�rdance vvith Applicable Lativ.
<br /> The F unds shall be held in an institution whose d�posi�s are insured by a federai agency, instxum�nta.l�ty, or
<br /> entity �inc�uding L��.d�r, if Lender is an�ns�.tu.t�on �vhose deposits are so insured} or iri any Federa�Home Loan
<br /> Bank. Lender shall apply the Funds to pay�he Escrow Items no�ater than the�ime specified under RESPA. Lender
<br /> sha��not�har�e Borrovver for holding and appXyxn��he Funds, annually analyzing the escrow accoun�, or�er�fyznb
<br /> �he Escrotiv Items, un�ess Lender pays Borrower interest on the Funds and Applicable Law perrn�ts Lender�o make
<br /> such a charg�. Uriless an agr-eement is mad�in writina or App��ca�Ie Law requ�res interes�to be pa�d an the Fund.s,
<br /> Lender shall na�be required to pay Borrower any int�rest or earnings ori the Funds. Borrower and Lender�an a�ree
<br /> in writ�ng, however, that int�rest sha�� be pa�d on the Fund.s. Lender sha.Il g�ve to Borrower, �rithou� charge, an
<br /> annual accountina of the Funds as required by RESPA.
<br /> If�here�s a surplus of Funds he�d�n escrow, as defined under RESPA; Lender sha�.�account to Borroujer for
<br /> the excess funds in accordance with RESPA. �f th�re xs a shorta�e of Funds heZd xn escr�tiv,as defined under RESPA,
<br /> Lender shall n�tify Borrower as requzred by 1�SPA, and Borrower sha.��pay to Lender the amount necessary to make
<br /> up the shortage in accordance tiv�th RESPA, but xn no mare than I2 monthly paymen�s. If�here is a d��Zciericy of
<br /> Funds he�d in escrow,as defined under RESPA, Lender sha��notzfy Borrow�r as requ�red by RESPA, and Barrower
<br /> shali pay�o Lender the axnoux�t necessary to make up the def�ciency�n accordance wi�h RESPA, but Yn no more than
<br /> 1.Z mon�hly payments.
<br /> Upon payment in full of a�l sums s�cur�d by th�s Secur�ty Instrument, Lender shall promptly refund to Borro�ver
<br /> any Funds he�d by Lender.
<br /> 4. Charges;Li�ns. Bor�-ower sha�I pay aII#�es,assessmen�s, �harges, fin�s, and�mpasitions at�ributa.b�e�o
<br /> th� Property vvh�.ch can at�arn priori�.y over this Securi�y Ins�rumen�, leasehoid payrnen�s ar ground rents on the
<br /> Property, if any, and Communi�y Associa��on Dues, Fees, and Assessments, if any. To �h� ex�en��hat�hese�tems
<br /> axe Escrativ Items, �3orrotiver sha.I.i pay them in th��nanner provid�d in Sectzon 3.
<br /> Borrower sha.11 promp�.y dxscharge any lien which has przor�ty o�er this Securi�y Instrumen�uz�ess Borrower:
<br /> �a�agrees in writzng to the payrnent flf the ob�iga�ion secured by�h��ien�n a max�xxer accepta.ble to Lender,but on�y
<br /> so Iona as Borrower zs perfarm3ing su�h a�r-eemen�; �b} contes�s �a.e X�en �n gaod fai�h �by, or defends agaxnst
<br /> enforcement of the I�en in, Iega�pro�eedxngs which in Lend�r's op�xuon opera��to prevent�he enfarcement�f the Iien
<br /> �h��e those proceedings are pend.inb, but on�.y until such proceedxngs are concluded; or�c� se�u.res from the hfllder
<br /> of�he lien an a�reemen� satisfactory �o Lender subord�natzng �he �ren ta this Security Instrumen�. If Lender
<br /> determines that any par�af�he Prop�rty is subje���a a Iien�hich�an attaxn priority over�us Security Instrumen�,
<br /> Lender may gi.ve Sorrower a natice zdentifying the�ien. Wzthx.n �� days of�he date on whz.ch tha�t nnt�ce is g�ven,
<br /> Borrourer shall sa�isfy the lien or take one ar mor�of t�ie actions set for�h abflve xn thi.s Section 4.
<br /> Lender may requxre Borrower to pay a one-tzme charge for a real esta.te ta.x verificatian andJor repax�tzng serv��e
<br /> used b�Lender in conn.ection w��h th�s Loan.
<br /> 5. Proper�y Insuar-ance. I3�rrawer shall ke�p the improvements notiv exxsting or hereafter erected on the
<br /> Praperty�nsured a�ainst�oss by fire, ha2ards�nc�uded within th��erm"extended co�erage," and any other hazards
<br /> xn�xudinb, but not 1�mi.ted to, earthquakes and floads, for wh�.ch Lender requires insurance. Thxs insurance shall be
<br /> main�a.ined in �he amoun�s ��ncludzng d�duc�ible Ievels� and far �he per�ods that Lender requires. tiVhat Lender
<br /> requires pursuant���he preced�mg sentences can change during th�term of the Loan. The insurance carner providin�
<br /> �he insurance sha�X be ch�sen by�orrower sub�e�t ta Lend�r's righ��o disappra�e Borrovver's choice,which righ�shal�
<br /> NESRASKA-Sing[e Family--Fannie MaelFreddie Mac UN[F�RM 1NSTRUMEhIT- MERS ���a�E���
<br /> Form �o�$ ��o� Page 5 of �[5 vvv�w_cfocmagfc.co�n
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