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<br />prerniurns, if any, or any sums payable by Borrower to Lender in lieu of the payruent of Mortgage
<br />Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow
<br />Items." At origination or at any time during the terrn of the Loan, Lender may require that Cornmunity
<br />Association Dues, Fees, and Assessments, if any, be escrowed by 13orrower, and such dues, fees and
<br />assessments shall be an Escrow Ttem. Borrower shall promptly furnish to L.ender all notices of amounts to
<br />be paid under this Sr:ctian. Banrc�wer shall pay Lender the Funds for Escrow Items unless T.ender waives
<br />Borrower's obligation t� pay th�: Funds for any or all Escrow Ttems. T.ender may waive T�orrower's
<br />obligation to pay to I.,endcr Punds fr�r any or all Escrow Ttems at any time. Any such waiver may only be
<br />in writing. In the evenl c�f suc;h waiv�r, Borrower shall pay directly, when and where payable, the amounts
<br />due for any Escrow Ttenns for which payment of Funds has been waived by Lender and, if T.ender requires,
<br />shall furnish to Lc:nder receipts �vic�e.ncing such payment wilhin such time period as T.ender may require.
<br />Borrower's c�bligalion to make such paymants and to provide receipts shall for all purposes be deemed to
<br />bc a c�vc:nanl and a�reement contained in this Sccurity Tnstrument, as the phrase ""cnvenant and agreenient"
<br />is used in Section 9. If Borrower is obligated to pay I:scrow If�nns directly, pursuant lc� a waiver, and
<br />Borrower fails to pay the amount due for an Escrow Item, Lender rnay exercise its rights under Sccti�n 9
<br />and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any su�:h
<br />amount. T.ender may rcvc�kc the waiver as to any or all Escrow Ttems at any time by a notice given in
<br />accordance with Section 1 S and, upon such revocation, Bonower shall pay to Lender all Funds, and in
<br />such amounts, that arc Lhcn rcquired under this Section 3.
<br />Lender may, at any time, collect and hold Nunds in an amount (a) sufficient to permit L.ender to apply
<br />the Funds at the time specified under K�,SYA, and (b) not ta exceed tlxe maxirnum am�unt a l�:nder can
<br />require under RESPA. Lender shall estimate the amount of Funds due on th� basis c�f curre:nt data and
<br />reasonable estimates of expenditures of future Escrow Items or athcrwise in accc�rdancG with Applicable
<br />Law.
<br />The Funds shall bc hcld in an institution whose deposits are insured by a federal agency,
<br />instrumentality, c�r entity (including I.�nd�:r, if Lender is an institution whose deposits are so insured) or in
<br />any Fadcral IIazne I,Uan Bank. I.i:nder shall apply the Funds to pay the Escrow Items no later than thc; time
<br />specificd undcr R�SPA. I,t;ndcr shall not charge Borrower for holding and applying the F'unds, annually
<br />analyzing the escrow account, or verifying the Escrow Items, unless L.ender pays Borrower interest on the
<br />Funds and Applicable Law permits I.ender to make such a charge. Ur►less an agreemcnt is made in writing
<br />or Applicable Law requires interest to be paid on the Funds, Lender shall not be reyuired tc� pay Borrower
<br />any interest or earnings on the Punds. T3orrower and L.ender can agree in writing, howe:ver, that interest
<br />shall be paid on the Punds. I.c:nder shall give to Borrower, without charge, an annual accountin$ c�f the
<br />Punds as rcyuired by RESFA.
<br />If there is a surplus of Funds held in escraw, as defincd under RESPA, T.ender shall account to
<br />Borrower for the excess funds in accordance with RESPA. If lhere is a shortage of Funds held in escrow,
<br />as defined under R�;SPA, L,ender shall notify Barraw�r as r�quired by RESPA, and Borrower shall pay to
<br />Lender the amount necessary to make up the shortage in accprdanc�: wilh RESPA, but in no more than 12
<br />monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall
<br />notily Borrower as required by TZ�SYA, and Borrower shall pay tca I.�:nder khe amount necessary to make
<br />up the deticiency in accordance with RESPA, but in nc� more lhan 12 monthly payments.
<br />Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund
<br />to Borrower any Funds held by Lender.
<br />4. Charges; Lieris. Borrower shall pay all taxes, assessments, charges, fines, and impositions
<br />attributable to the Property which can attain pricrrity over this Security Instrument, l�aschold payments or
<br />ground rents on the Property, if any, and Community Association Dues, Fees, and Assessmcnts, if any. To
<br />the extent that these items are Escrow Itcros, Borrower shall pay them in the manner providcd in Section 3.
<br />NE9RASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
<br />�-6�NE) �osiil Peee 5 or is in�t�aig: �,Y/y Form 3028 1�01
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