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<br /> wai�e Borrawer's abligation to pay�o Lender Funds far any�r a�l Escrow��ems at any tim�. Any such wai�er may
<br /> only be in writing. In the e�ent of such wai�er, Borrower shall pay directly, when and where payable, the amounts
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<br /> due for any Escrow It�ms for which payment of Funds has been wai�ed by Lender and, if Lender requires, shall
<br /> furnish tn Lender receipts e�idencing such payment within such time periad as Lender may require. Borrower's
<br /> obligation �o make such payments and to pro�ide receipts shall for a�1 purposes be deemed to be a ca�enant and
<br /> ag�eement contained in this Security Instrument, as the phrase "ca�enant and agreement" is used i n Sect i on 9. If
<br /> Borrower is obligated�o pay Escrow Items directly, pursuant to a wai�er, and Borrawer fails to pay the amount due
<br /> for an Escraw Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then b�
<br /> ob�igat�d under Section 9 to repay to Lender any such amount. Lender may re�oke the vWai�er as to any❑r all Escrow
<br /> � Items at any time by a notice gi�en in accordance with Secti�n l4 and, upon such re�oca�ion, Borrawer shall pay ta
<br /> Lender all Funds, and in such am�unts, that are then required under this Sectian 3.
<br /> Lender may, at any time, collect and hflld Funds in an amount�a}sufficient ta permit Lender to apply the Funds
<br /> at the time�pecified under RESPA., and��}not to exceed the maximum amflunt a lender can require und�r RESPA,
<br /> Lender shall estimate the amaunt of Funds du�an the basis of current data and reasonable estimates of expenditures
<br /> of future Escrow Items or otherv►�ise in accordance�vith Applicab�e Law.
<br /> The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or
<br /> en�ity �including Lender, if Lender is an institution whose deposits are s� insured} or in any Federal Home Loan
<br /> Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA. Lender
<br /> shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, ar�erifying
<br /> the Escrow Items, unless Lender pays Borrower interes�on th�Funds and Applicable Law permits Lender to make
<br /> such a charge. Unless an agr�ement is rnade in writing or Applicable Law re�uir�s interes�t�be paid on the Funds,
<br /> Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lend�r can agree
<br /> in writing, howe�er, that int�rest sha11 be paid on the Funds. Lender shall gi�e to Barrow�r, without charg�, an
<br /> annual accounting of the Funds as required by RESPA.
<br /> If there is a surplus of Funds held in escrow, as defined und�r RESPA, Lender shall account to Borrower for
<br /> the exc�ss funds in accordance with RESPA. If there is a shartage of Funds held in escrow, as defined under RESPA,
<br /> Lender shalj notify Borrower as required by RESPA, and Borrawer shall pay to Lender the amount necessary to make
<br /> up the shor�age in accordance with RESPA., but in no mare�han 12 monthly payments. �f there is a deficiency of
<br /> Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower
<br /> shall pay ta Lender the amnunt necessary to make up the deficiency in a�cordance with RESPA, but in n�more than
<br /> l2 mvn�hly payments.
<br /> Upon payment in full of all sums secured by this Security Ins�rument, Lender sha�l promptly refund to Borrower
<br /> any Funds held by Lender. �
<br /> 4. Charges; Liens. Borrawer shall pay all taxes, assessments, charges, fines, and impvsitions attributable to
<br /> the Property which can attain priority o�er �his 5ecurity Instrument, �easehold payments or ground rents on the
<br /> Proper�y, if any, and Community Assaciation Dues, Fees, and Assessments, if any. Ta the extent that these items
<br /> are Escrow�tems, Borrower shall pay them in the manner pra�ided in 5ect�on 3.
<br /> Borrower shall promptly discharge any lien which has priority o�er this Security Instrument unless Borrower:
<br /> �a}agrees in writing to the payment of the ob�igafion secured by the lien in a manner acceptable to Lender, but only
<br /> so long as Borrower is performing such agreemen�; �b� con�ests the lien in good faith by, flr defends agains�
<br /> enforcement of the lien in, legai proce�dings which in Lender's opinion aperate t�pre�ent the enforcement flf�he�ien
<br /> while those prnceedings are pending, but only until such praceedings are cancluded; or �c�secures from the halder
<br /> vf the lien an agreement satisfactory to Lender subordinating the lien to this Securit}r Instrument. If Lender
<br /> determines tha�any part of the Property is subject to a lien which can attain priority o�er this Security Instrument,
<br /> Lender may gi�e Borrawer a notice identifying the Iien. �]Vi�hin 1D days of the date an which fhat nvtice is gi�en,
<br /> Borrawer shall satisfy the lien or take one or tnore of the actions set fvrth abo�e in this Section 4.
<br /> Lender may r�quire Borrower to pay a on�-tFme charge for a real estate tax�erification andlor reporting ser�i�e
<br /> used by Lender in connection with this Loan.
<br /> NEBRASKA-Singte Famiiy-UNIFaRM INSTRUMENT ���Hgf�
<br /> MQ�IFIED F�R DEPARTMENT �F VETERANS AFFAIRS- MERS www.docmagic.corn
<br /> {Re�. 1101} Pa�� 5 of �4
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