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<br /> waive Borrower's obligation to pay to Lender Funds for any or all Escrow Itexns at any time. Any such waiver may
<br /> only be in writing. In the event of such waiver, Borrower shali pay directly, when and where payabie, the amounts
<br /> due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shali
<br /> furnish to Lender receipts evidencing such payment within such time period as Lender may require. Bonower's
<br /> obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and
<br /> agreement contained in this Security Instrument, as the phrase"covenant and agreement" is used in Section 9. If
<br /> Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Bonower faiis to pay the amount due
<br /> for an Escrow Item, Lender may exercise its rights under Section 9 and pay such auiount and Borrower sha11 then be
<br /> obligated under 5ection 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 14 and, upon such revocation, Borrower shall pay to
<br /> 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)suff'icient to permit Lender to apply the Funds
<br /> at the time specified under RESPA, and(b)not to exceed the ma�mum amount a lender can require under RESPA.
<br /> Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures
<br /> 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, instrumentality, or
<br /> entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan
<br /> Bank. Lender shall apply the Funds to pay the Escrow Items no later than the time specified under R�SPA. Lender
<br /> shall not charge Borrower for holding and appiying the Funds, annually analyzing the escrow account, or verifying
<br /> the Escrow Items, unless Lender pays Bonower interest on the Funds and Applicable Law permits Lender to make
<br /> such a charge. Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds,
<br /> Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree
<br /> in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an
<br /> annual accounting of the Funds as required by RESPA.
<br /> If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for
<br /> the excess fiwds in accordance with RESPA. If there is a shortage of Funds held in escrow,as defined under RESPA,
<br /> Lender sha11 notify$orrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make
<br /> up the shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of
<br /> Funds held in escrow, as defined under RESPA, Lender sha11 notify Bonower as required by RESPA,and Bonower
<br /> shall pay to Lender the amount necessary to tnalce up the deficiency in accordance with RESPA,but in no more than
<br /> 12 monthly payments.
<br /> Upon payment in full of ali sums secured by this Security Instrument,Lender shall promptly refund to Borrower
<br /> any Funds held by Lender.
<br /> 4. Charges;Liens. Borrower shall pay all taxes, assessments, charges,fines, and impositions attributable to
<br /> the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the
<br /> Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items
<br /> are Escrow Items, B�rrower shall pay them in the manner provided in Section 3.
<br /> Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Bonower:
<br /> (a)agrees in writing to the paytnent of the obligation secured by the lien in a manner acceptable to Lender,but only
<br /> so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against
<br /> enforcement of the lien in,legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien
<br /> while those proceedings are pending, but only until such proceedings are concluded; or(c)secures from the holder
<br /> of the lien an agreement sarisfactory to Lender subordinating the lien to this Security Instrument. If Lender
<br /> determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument,
<br /> Lender may give Borrower a norice identifying the lien. Within 10 days of the date on which that notice is given,
<br /> Bonower sha11 satisfy the lien or take one or more of the actions set forth above in this Section 4.
<br /> Lender may require Bonower to pay a one-time charge for a real estate tax verification and/or reporting service
<br /> used by Lender in connecrion with this Loan.
<br /> NEBRASKA-Single Family-UNIFORM INSTRUMENT pocMagfcBr�YT,7�
<br /> MODIFIED FOR DEPARTMENT OF VEi'ERANS AFFAIRS-MERS wwtv.dacmagic.com
<br /> (Rev. 1l01) Page 5 of 14
<br /> IIIIIIIII'�I'll'I�I'll IIII I I I)I�I II((III'II(II'IIII'III III
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