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<br />Mortgagc lnsurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage
<br />Insurance premiums in accordanec with the provisions of Section 10. These items are called "�scrow ltems." At ari�ination or
<br />at any timc during the term of the Loan, Lender may require that Community Association Dues, Fees, and Assessrnents, iF any,
<br />be escrowed by Borrowcr, and such ducs, fees and assessments shall be an Escrow ltcm. Borrower shall pramptly furnish to
<br />Lender all notices of amounts ta be paid under this Secfion. Borrower shall pay Lender the Funds for Escrow Items unlcss
<br />Lender waives $orrowcr's obligation to pay the Funds for any or all Escrow ltems. Lender may waive Borrower's obligation to
<br />pay to Lender Funds for any or all Escrow items ac any tima Any such waiver may only be in writing. in the event of such
<br />waiver, F3orrower shall pay directly, when and where payable, the amounts duc for any Escrow Items f'or which payment of
<br />Funds has bccn waived by Lender and, if I,ender requires, shall furnish to Lender receipts evidencing such payment within
<br />such time period as Lender may requirc. Borrower's obligation to make such payments and ta pravide receipts shall for all
<br />purposes be dcemed to be a covenant and agreement contained in this Security Instrument, as the phrase "covenant and
<br />agreement" is used in Section 9. If f3orrower is obligated to pay Escrow ltems directly, pursuant to a waiver, and Borrower
<br />fails to pay the amount due for an Escrow Item, Lendcr may exercise its rights under Section 9 and pay such amount and
<br />Borrower shall then be obligated under Section 9 to repay to Lender any such amount. I.ender may rcvokc the waiver as to any
<br />or all Escrow items ai any time by a noticc givcn in accordance with Section 1 S and, upon such revocation, Borrower shall pay
<br />to Lender all Funds, and in such amounts, that are then requircd under this Section 3.
<br />Lender may, at any time, collect and hold Funds in an amount (a) sufficient to permit Lender to apply thc Funds �t the
<br />time specitied under RESPA, and (b) not to exceed thc maximum amount a lendcr can rcquire under R�SPA. Lender shall
<br />cstimate the amouni of Funds due on the basis of current data and reasonable estimates of' expenditures of firture �scrow Items
<br />or otherwisc in accordance with Applicable I.,aw.
<br />The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity
<br />(including Lendcr, if Lender is an institution whosc deposits are so insured) or in any Federa! Home Loan Bank. Lender shall
<br />apply the Funds to pay thc Escrow Items na later than the time specified under RESPA. Lendcr shall not charge Borrowcr for
<br />holding and applying the Funds, annually analyzing the escrow account, or vcrif'yins the �scrow Items, unless Lender pays
<br />Borrower interesi on thc Funds and Applicable Law p�rmits Lender to make such a charge. Unless an agreement is made in
<br />writin�; or Applicable Law requires ittterest to be paid on the Funds, Lender shall not be required to pay Borrower any interest
<br />or earnings on the Funds. Borrower and Lender can agree in writing, however, that intcrest shall be paid on the Funds, Lender
<br />shall givc to Borrawer, without chatge, an annual accnunting of the �unds as required by RESPA.
<br />If there is a surplus of Funds held in escrow, as dcfined under RESPA, Lender shall account to Borrower for the
<br />excess funds in accordance with RESPA. lf thcre is a shorta�e of Funds held in escrow, as defin�d under RESPA, Lender shall
<br />notify Borrower as requircd by R�SPA, and Borrower shall pay to Lender the amount necessary to make up thc shortage in
<br />accordance with RLSPA, but in no more than 12 monthly payments. Tf there is a deficiency of Funds held in escrow, as dcfincd
<br />under R�SPA, I.ender shall notify Borrower as required by RESPA, and Borrowcr shall pay to I,ender the amount necessary to
<br />make up thc 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 ta Borrower any
<br />Funds hcld by Lender,
<br />4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines, and impositions attributable to thc
<br />Yroperty which can atiain priority over this Security Instrument, ]easehald payments or ground rents on the Property, if any,
<br />and Community Association pues, Fees, and Assessments, if any. To thc extent that these items arc �scrow Items, $orrowcr
<br />sha(1 pay them in the manner providcd in Sectian 3.
<br />$orrower shall promptly discharge any lien which has priority ovcr this Security instrumcnt unless Borrower: (a)
<br />agrecs in writing to the payment of thc obligation secured by the licn in a manner acceptable to Lender, but only so long as
<br />Borrower is perForming such agreement; (b) contcsts the lien in good faith by, or def'ends a�ainsl enforccment qf the lien in,
<br />legal proceedin�s which in Lender's opinion operate to prevent the enforcement oF the lien while those proccedings are
<br />pending, but only until such proceedings are concludcd; or (c) secures from thc holder of the lien an agreement satisfactory to
<br />Lcnder subordinating the lien to this 5ecurity Instrument. Tf Lcndcr determines fhat any part of the Pro[�erty is subjcct to a lien
<br />which can attain priority pver this Security Lnstrument, Lender may give 13orrower a notice ideittifying the lien. Within 10 days
<br />of the date on which that notice is givcn, Borrawer shall satisfy the lien or take one or more of the actions set forth above in
<br />this Section 4.
<br />Lcnder may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used
<br />by Lender in connection with this Loan.
<br />NEBIZASKA--Singlc Family--Fannie Mac/Freddie Mac UNIFORM INS'I'RUMF.IVT
<br />c� 33R.2 Page 4 of' 12 Farm 3028 1/Ol
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