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200200760 If Lender receive, a payment from Borrower for a del Iaccent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge_ If more than one Periodic Payment is mmstandlng, Lender may apply any payment received from But to the repayment of the Periodic Payments d, and to the extent that, each payment can be paid in full. To the extent that my excess exists after the payment is applied to the full payment of one or more Per Payments, Such excess may be applied to any late charges due- Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments. insurance proceeds, or Misccllarl Proceeds to principal due under theNote shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Per iodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds 'n to provide for payment of amounts due fur: (a) taxes and assessments and other items which can attain priority over this Security Instrumenrl as a lien or encumbrance on the Properly; (b) leasehold payments or ground rents on the Property, if any: (c) premiums for any and all insurance required by Lender under Section 5'. and (d) Mortgage Insurance premiums, if any, or any sum tfo s payable by Bower to Under in lieu ofthe payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "F_scrow Veins." At origination orataitytime during the term of the Loan, Lender may require that Cameron Ity Association Dues, I'ces,and Assessments,if any, he escrowed by Bon'owei, and such dues, fees and assessments shall bean Escrow Item. Borrower shall promptly furnish ro Lender all notices of amounts to be paid eni cr this Section. Borrower shall pay I ender the Funds for Esetowltems unless Lender waivers Borrower's obligation to pay the Funds for any or all Escrow Items. Lendermayy waive Rmrrnwer's obligation to pay to Lender Funds for any or all Escrow Forms at anytime Any such waiver maI I be In writing. In the event f such waiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Sterns for tdach payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obllgauon to make such payments and to provide receipts shall for all purposes be deemed to be it covenant and agreement contained In this Security Instrument, as the phrase "covenant and agreement' is Used in Section 9. If Borrower' is obligated to pay Escrow Rents directly, pur'SUa It to a waiver, and Borrower tails m pay the amount due for an Escrow Item, Leal, may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount I ender' may revoke the waiver as to mayor all Escl'ow Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this Section 3. Lender may. m any time. collect and hold Funds in an amount (a) sufficient to permit lender to apply the Funds at the Ilme,ape'ifiul under RESPA, and (h) not M'I'vell the maximum amount a Ie"ne' can require under RESPA. Lender shall estimate the amount of Funds due oil the basis of current data and reasonable estimates oterpenditures oftu are Escrow Items or other wne i,I accordance with Applicable Lu. The Ponds shall be hdd Ire an insholt on whose depos to arc insured bya odea at agency, insn'umentahpt or'emity (including Lender. it Lender is an institution whose deposits are so insured) or in any Fedora? Hume Lsen Bank. Lender shall apply the Funds to pay the Esumw Form no later than the time specified under RESPA. Lender shall not charge Borrower far holding and applying the Funds, annually analyzing the escrow account, m verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Iaw permits lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, I ender shall not be required to pay But any interest or turnings on the Funds. Borrower and Leader can agree in writing, however, that interest shall be paid on lire Funds. Lender shall give to Burrower', without charge, an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Bon lower for the excess foods in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but bl n i more than 12 monthly payments, If there is a deficiencyof Funds held in escrow, as defined under RESPA. I coder shall nuti fy Borrower as required by RESPA- and Berrowershall Layout fender die amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments_ Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower a try Reds held by Lender. 4. Charges; Liens. Borrower shall payall taxes, assessments, charges, fines, and impositions combinable to the Property which can attain priority over this Security Instrument, leasehold payments ......mind mats on the Property, If any. and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Lscrow Items, Borrower shall pay them in the manner' provided in Section 3. Borrower shall promptly discharge any lien which has priortyover' this Security Inst amount unless Burrower (a) agrees in writing to the payment of the obligation secured by the lien in a insurer acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Inder's opinion operate to prevent the enforcement of the Gen while (hose proccelings al'e pending, but only until such proceedings are concluded: ur (c) secures from the holder of the lien an agreement.sausfactoq to Lender' suholdmadng the lien to this Secants Instrument If Lender determines that am of the Property is subject au a on w hich wn attain pnmriry 'm this Security Instrument lender maY g,11 B u 1,11c, a notice iJc itifyrrrg t)te l ten. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth .hove is this Section 4. Lender map require Bon'ower to pay a one -line charge for a real estate lax vto ficauon and/or opening selor. used by I ender in connection with this Loan. 5. Property Insu ranee. Borrower shall keep the i raft ovements now existi no or hereafter erected on the Property insured against loss by file, hazards included within the term °extended coverage;' and any other hazards including, but not limited to, earthquakes and Floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and or the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan- The insurance carrier providing the insurance shall be chosen by Borrower subject to Sender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one -time charge for flood zone determination, certification and racking services: or (h) a one -lime charge kr Flood zone determination and certification services and suhsequent charges each time remappings or similar changes occur which reasonably might affect such determination or cenrticauon. Burrower shall also be responsible tear the payment of any feu Imposed by the Federal Emergency Management Agency in connection with the leve w otany deal zrme deter'minution resulting fi'urn an uft.lu[ion by Borrower. If Boa rower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover fender, but might or might nut pa otect Borrower, Sol I ower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might pa ovide seater or lesser coverage than was previously in effect. Borrower acknowledges that the cost or the arson race coverage soobtained mightsignificantly exceed the cost of insurance that Rutnlwer could have obtained. Anyamounts disbursed by Lender under this Section 5 shall become additional debt of Bon over secured by this Seuutity Instrument These amounts shall bear interest at the Note rate from the date of di s ouraernent and sir m 11 be payah le, with such irate rest, upon notice 8'om T ender to Bor'r'ower req ucstin.0 payment NI insurance policies iemined by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include it sta Idad mortgage CILlaxe, and shall name Lcndcr la moligaose al d/o- as an adJllional l r l 'ILL"' Lend, s h a l l here t h e ti hl bi 111111 the palii and croevat cciiihc,tcs ItImodet inquires Brrmver ,hall pwnlpd) ertic Ice Lender all rcceipo ofpwJ premiums and rcncwal Iuticcs. If Buouwec ohtm[e, any loon of rnsru:mee NEBRAS" S,ii,re R1.11ay Il s1realruddic Mac UNIFORM INSTRUMENT Inner 3028 1101 fPrV4'eJ „/8 yng.v1 "IrIv"Ierr GI119s 1mTilleall l fine It