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<br />200900764
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<br />Periodic Payments, such excess may be applied to any late charges due, Voluntary prepayments shall be
<br />applied first to any prepayment charges and then as described in the Note.
<br />Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under
<br />the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments,
<br />3. Funds for Escrow Items. Borrower shall pay to lender on the day Periodic Payments are due
<br />under the Note, until the Note is paid in full, a sum (the "Funds") to provide for payment of amounts due for: (a)
<br />taxes and assessments and other items which can attain priority over this Security Instrument as a lien or
<br />encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums
<br />for any and all insurance required by lender under Section 5; and (d) Mortgage Insurance premiums, if any,
<br />or any sums payable by Borrower to lender in lieu of the payment of Mortgage Insurance premiums in
<br />accordance with the provisions of Section 10, These items are called "Escrow Items," At origination or at any
<br />time during the term of the loan, lender may require that Community Association Dues, Fees, and
<br />Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow
<br />Item. Borrower shall promptly furnish to lender all notices of amounts to be paid under this Section,
<br />Borrower shall pay lender the Funds for Escrow Items unless lender waives Borrower's obligation to pay the
<br />FundS for any or all Escrow Items. lender may waive Borrower's obligation to pay to lender Funds for any or
<br />all Escrow Items at any time. Any such waiver may only be in writing, In the event of such waiver, Borrower
<br />shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of
<br />Funds has been waived by lender and, if lender requires, shall furnish to lender receipts evidencing such
<br />payment within such time period as lender may require, Borrower's obligation to make such payments and to
<br />provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security
<br />Instrument, as the phrase "covenant and agreement" is used in Section 9, If Borrower is obligated to pay
<br />Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item,
<br />lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated
<br />under Section 9 to repay to lender any such amount. lender may revoke the waiver as to any or all Escrow
<br />Items at any time by a notice given in accordance with Section 15 and, upon such revocation, Borrower shall
<br />pay to lender all Funds, and in such amounts, that are then required under this Section 3,
<br />lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit lender to apply
<br />the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can
<br />require under RESPA lender shall estimate the amount of Funds due on the basis of current data and
<br />reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with Applicable law,
<br />The Funds shall be held in an institution whose deposits are insured by a federal agency,
<br />instrumentality, or entity (including lender, if lender is an institution whose deposits are so insured) or in any
<br />Federal Home loan Bank, lender shall apply the Funds to pay the Escrow Items no later than the time
<br />specified under RESPA lender shall not charge Borrower for holding and applying the Funds, annually
<br />analyzing the escrow account, or verifying the Escrow Items, unless lender pays Borrower interest on the
<br />Funds and Applicable law permits lender to make such a charge, Unless an agreement is made in writing or
<br />Applicable law requires interest to be paid on the Funds, lender shall not be required to pay Borrower any
<br />interest or earnings on the Funds, Borrower and lender can agree in writing, however, that interest shall be
<br />paid on the Funds, lender shall give to Borrower, without charge, an annual accounting of the Funds as
<br />required by RESPA
<br />If there is a surplus of Funds held in escrow, as defined under RESPA, lender shall account to
<br />Borrower for the excess funds in accordance with RESPA If there is a shortage of Funds held in escrow, as
<br />defined under RESPA, lender shall notify Borrower as required by RESPA, and Borrower shall pay to lender
<br />the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12 monthly
<br />payments, If there is a deficiency of Funds held in escrow, as defined under RESPA, lender shall notify
<br />Borrower as required by RESPA, and Borrower shall pay to lender the amount necessary to make up the
<br />deficiency in accordance with RESPA, but in no more than 12 monthly payments,
<br />Upon payment in full of all sums secured by this Security Instrument, lender shall promptly refund to
<br />Borrower any Funds held by lender.
<br />4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions
<br />attributable to the Property which can attain priority over this Security Instrument, leasehold payments or
<br />ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any, To
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<br />NEBRASKA--Singla Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
<br />Nebraska Deed of Trust 3028
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<br />NE DOT 01101
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<br />(Page 4 of 13)
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