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<br />(d) Surplus; Shortage and Deficiency of Funds. In accordance with RESPA, if there is a surplus of
<br />Funds held in escrow, Lender will account to Borrower for such surplus. If Borrower's Periodic Payment is
<br />delinquent by more than 30 days, Lender may retain the surplus in the escrow account for the payment of the
<br />Escrow Items. If there is a shortage or deficiency of Funds held in escrow, Lender will notify Borrower and
<br />Borrower will pay to Lender the amount necessary to make up the shortage or deficiency in accordance with
<br />RESPA.
<br />Upon payment in full of all sums secured by this Security Instrument, Lender will promptly refund to
<br />Borrower any Funds held by Lender.
<br />4. Charges; Liens. Borrower must pay (a) all taxes, assessments, charges, fines, and impositions
<br />attributable to the Property which have priority or may attain priority over this Security Instrument, (b) leasehold
<br />payments or ground rents on the Property, if any, and (c) Community Association Dues, Fees, and Assessments,
<br />if any. If any of these items are Escrow Items, Borrower will pay them in the manner provided in Section 3.
<br />Borrower must promptly discharge any lien that has priority or may attain priority over this Security
<br />Instrument unless Borrower: (aa) agrees in writing to the payment of the obligation secured by the lien in a
<br />manner acceptable to Lender, but only so long as Borrower is performing under such agreement; (bb) contests the
<br />lien in good faith by, or defends against enforcement of the lien in, legal proceedings which Lender determines,
<br />in its sole discretion, operate to prevent the enforcement of the lien while those proceedings are pending, but only
<br />until such proceedings are concluded; or (cc) secures from the holder of the lien an agreement satisfactory to
<br />Lender that subordinates the lien to this Security Instrument (collectively, the "Required Actions"). If Lender
<br />determines that any part of the Property is subject to a lien that has priority or may attain priority over this
<br />Security Instrument and Borrower has not taken any of the Required Actions in regard to such lien, Lender may
<br />give Borrower a notice identifying the lien. Within 10 days after the date on which that notice is given, Borrower
<br />must satisfy the lien or take one or more of the Required Actions.
<br />5. Property Insurance.
<br />(a) Insurance Requirement; Coverages. Borrower must keep the improvements now existing or
<br />subsequently erected on the Property insured against loss by fire, hazards included within the term "extended
<br />coverage," and any other hazards including, but not limited to, earthquakes, winds, and floods, for which Lender
<br />requires insurance. Borrower must maintain the types of insurance Lender requires in the amounts (including
<br />deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding
<br />sentences can change during the term of the Loan, and may exceed any minimum coverage required by Applicable
<br />Law. Borrower may choose the insurance carrier providing the insurance, subject to Lender's right to disapprove
<br />Borrower's choice, which right will not be exercised unreasonably.
<br />(b) Failure to Maintain Insurance. If Lender has a reasonable basis to believe that Borrower has failed to
<br />maintain any of the required insurance coverages described above, Lender may obtain insurance coverage, at
<br />Lender's option and at Borrower's expense. Unless required by Applicable Law, Lender is under no obligation to
<br />advance premiums for, or to seek to reinstate, any prior lapsed coverage obtained by Borrower. Lender is under
<br />no obligation to purchase any particular type or amount of coverage and may select the provider of such insurance
<br />in its sole discretion. Before purchasing such coverage, Lender will notify Borrower if required to do so under
<br />Applicable Law. Any such coverage will insure Lender, but might not protect Borrower, Borrower's equity in the
<br />Property, or the contents of the Property, against any risk, hazard, or liability and might provide greater or lesser
<br />coverage than was previously in effect, but not exceeding the coverage required under Section 5(a). Borrower
<br />321-4020758-703 1555500389
<br />NEBRASKA - FHA Deed of Trust With MERS 70228MNE 01/2023
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<br />FAIRWAY INDEPENDENT MORTGAGE CORPORATION - NMLS 2289
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