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<br /> TOC3ETHER WITH nll the improvements now or hereafter erected on the property
<br /> appurtenancea, and fixtures now on c�reaftcr a part of the propeny. A.II replaceme�us and additions shall also bc
<br /> covered by lhls Securi►y lnstrument. All of the foregoing is referred to In thls Security lnstrument as the "Property."
<br /> BQRROWER COV6NANTS tl�at Bc�rrower Is lawfully seised of the catatc hcreby conveycd and has the sight to
<br /> gru►t �nd convey the Property and that the Property is unencumbered, except f'or encumbranees of rec:ord. Eiorrower
<br /> wprranty and wlll defend gcnerally the title to the Propeny agalnst all clainu and demands, eubjec;t to any en�umbrances
<br /> of rrc;urJ. —
<br /> TH1S SECURITY INSTRUM�NT combines uniforn�covenants tor nstional use and non-unifurm covena�t�s wich
<br /> limlted vuiatlons by jurisdtctlon to constitute A uniform security instrument coveriug teal propeny.
<br /> UN[PORM COVENANTS. Borrower and l.ender c�ove�t�gar���ower shall promptly pay when due the
<br /> 1. PRyroait of Pdacip�l tod Ink�rat� Frq�sYment
<br /> principal of and interest on the debt evidenced by the Note and any prepayment and late cltarges due under tYte Nate.
<br /> 2. Fueda for Twca and Inauanx• SubJect to apnlicable law or to a written waiver by Lender, Borrower shall
<br /> pay to Ltnder on the day monthly paytnents are due under the Not�, uutil the Note is paid in full,a sum("Funds")
<br /> for (a) y�arly taxey and assessments whtch may attain priority ovcr this Securlty Instrument as a Iten on the Property;
<br /> (6) yearly leasehold payments or ground rents on the Property, if any; (c) yeurly hazard or p�operty lnsurance
<br /> p►emiums; (d) yeuly flood insurance premiums, if any;(e) yeady mortgag� insurance premiums, if any;and (� any
<br /> sums payable by Bonower to Lender, in accordance wlth the provisions of paragraph 8, in lieu of the payment of
<br /> mortg4ge insurana premiums. These items ere called "Escrow Items." Lender may, at any time, collect and hold
<br /> Funds in an amount not to exceed the maximum a�iwwtt a lendcr for a federally related mortgage loan mxy require
<br /> for Honower's escrow xcaunt under the fedetal Real Estate Settlement Procedures Act of 1974 a�amended fram time
<br /> to time, 12 U.S.C.§2601 et seq. ("RESPA"), unl�ss anothcr law that applles to the Funds sets a lesser ucnount. If
<br /> so, I.ender may. at any time, wllect and hold Funds in an amaunt not to exceed che lesser amc�unt. Lender may
<br /> estimate the amount of Funds due on the basis of current data and reasonable estimata of expenditurw of future
<br /> Escrow Items or otherwise ln acc:ordance wlth applicable law.
<br /> The Funds shall be held in un institution whose deposits are insured by a federal agency,instn►mentality, or entity
<br /> (including I.ender, if Lender is such an institutian) or in any Federat Hotne I.oui Bank• L.cnder shall apply the Funds
<br /> to pay the Escrow Items. Lender may not c harge B orro w a r f o r h o l d i n g an d a p pl yin g the Funds, annaally analyzing
<br /> the escrow acc�unt, or verifying the Escrow [tems, unless Lender pays Borrower Interest on the Funds and applicable
<br /> low permits I..ender to a�ake such a charge. However, Lender may require B orrawer to pay a one-time �hl cablc�rlaw
<br /> Independent tcal estace ta�c rcporiinK scz3K �s:.3 !�y I.er.de: i^ �oII.^.!Y'tlnn wi�h chis loan, unless app'
<br /> provides otherwise. Unless an agrecment is made or applicable law requir�s interest to be paid, L.onder shall not be
<br /> required to pay Borrowcr any interest or earnings on the Funds. Aorrower and Lender may agra in writing,however,
<br /> that interest shall be paid on die Funds. Lender shall glve to Bonower, wlthout charge, an amtual accounting of the
<br /> Funde, shawing credits and debits tu the Fun�s and the purpose for which each debit to the Funds was made. 'I'he
<br /> Funds are pledged as additional security f�r all sums secured by this Securlty Instrument.
<br /> If the Funds held by I.ender exceed the amounts permitted to be held by applicable law,Lender shall account to
<br /> Borrower for the excess Funds in acwrdance with the requirements of applicable law, If the arnount of the Funda held
<br /> by Lender at any time Is not sufficient to pay the Escrow Items when due, [.ender may so notify Borroa+et in writing.
<br /> and,in such case Borrower shall pay to Let►der the amount nocessary to make up the deficiency, Borrower sh�ll make
<br /> up the deficiency in no more than twelve monthly payments, at Lender's sole discretion.
<br /> Upon payment in full of all sums secured by this Security Instrunxnt, Lender shall promptly refund to Borcower
<br /> any Funds held by I..ender. If,under pazagraph 21, Lender shall acquire or sell the Property� I.a►der, prior t� the
<br /> ecqutsition or sale of the Property, shall apply any Funds held by I.ender at the tiine of acquisition or sale us a credit
<br /> ogainst ti►e sums secured by this Security Instcument.
<br /> 3. Applicatioa of Paymeab. Unless applicable law provides otherwise, all payments rectived by Lrndrr under
<br /> paragraphs 1 and 2 shall be applied; first,to uny prepayment charges due under the Note; second, to amounts payable
<br /> under pazagraph 2;third, to interest due; fourth, to principal du�; and last, to any late charga due under the Note.
<br /> q, (�ar6d; I,ie�. Bonower shall pay all taxes,assessments, charges, fines and impositions attributeble to the
<br /> property which rt►ay attaln priority ovcr this Security Instrument, and lcusehold pnyments or ground ronts, if any.
<br /> Borrower shall pay these obligations in the manner providcd in paragraph 2,or if not paid in that manner, Borrower
<br /> N�RASKA-Sinele Family-FNYA/N1IIJi1C UN(i'�RM INSTRUI�NT ��9�
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