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202503380 leasehold d under r grouNote; Fourth,d rents, and fire, flood to amortizationand of the principaher l of the Noteurance ; and, Fifth,emiums, tolatecharges due interest due under the Note, under the Note. ts and the If ar receives a dpayment fromue for a del nquorrower in the amount of one or more Periodic ent Periodic Payment, the payment may beapplied to the delinquent amount off anynylate charge payment and the late charge. When applying payments, Lender will apply such payments in accordance with Applicable Law. (c) Voluntary Prepayments. Voluntary prepayments will be applied as described in the Note. (d) NOu Changes topment due underdthe Noe will notny application extend or postpone heinsurance due date, or change the Miscellaneous Proceeds toprincipal amount, of the Periodic Payments. 3. Funds for Escrow Items. (a) Escrow Requirement; Escrow Items. Borrower must pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum of money to provide for payment of amounts due for all Escrow Items (the "Funds"). The amount of the Funds required to be paid each month may change during the term of the Loan. Borrower must promptly furnish to Lender all notices or invoices of amounts to be paid under this Section 3. (b) Payment of Funds; Waiver. Borrower must pay Lender the Funds for Escrow Items unless Lender waives this obligation in writing. Lender may waive this obligation for any Escrow Item at any time. In the event e y Escrow Items of ech the Borrower has waived the requirement to pay Lendeust pay directly, when and where payable, rhtheamounts Funds fforue for any or all Escrow Items, subject to the waiver. If Lender Lender may require Borrower to provide proof of direct payment of those items within such time period as Lender may covenant and reobligation f Borrower under this 1Security Instrumenely payments and t If Borroweprovide rf of is obligated nt is deemed to to pay Escrow be a covenant and agreement o Items directlycie pursuant uo a waiver, nder Sectiona9dBorrower to pay such amount ils to andy timely Borrower will be obligated t Escrow repay toItem, Lender any may exercise its rights u such amount in accordance with Section 9. Lender may withdraw the waiver as to any or all Escrow Items at any time by giving a notice in accordance with Section 15; upon such withdrawal, Borrower must pay to Lender all Funds for such Escrow Items, and in such amounts, that are then required under this Section 3. (c) Amount of Funds; Application of Funds. Lender may, at any time, collect and hold Funds in an amount up to, but not in excess of, the maximum amount a lender can require under RESPA. Lender will estimate the amount of Funds due in accordance with Applicable Law. The Funds will be held in an institution whose deposits are insured by a U.S. federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any crow Items no later than the time specified Federal Home Loan Bank. Lender chargelrto the s under notapplying the Funds; (ii) annually analyzing RESPA. Lender may Borrower for:(i)holding and the escrow account; or (iii) verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless Lender and Borrower agree in writing or Applicable Law requires interest to be paid on the Funds, Lender will not be required to pay Borrower any interest or earnings on the Funds. Lender will give to Borrower, without charge, an annual accounting of the Funds as required by RESPA. 321-4072828-703 NEBRASKA - FHA Deed of Trust With MERS FAIRWAY INDEPENDENT MORTGAGE CORPORATION - NMLS 2289 i u i i N i 1555500885 70228MNE 01/2023 Page 6 of 20