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<br /> The Funds shatl be held in an ins�itu�fln ��h�se depnsit� are insured by a federal agency, inst�vmentality, nr
<br /> entity �including Lender, if I�ender is an institutian whv5e depasits ax�e sa insu.red� nr in any Federa� Home
<br /> Lvan Banks Lender sha�l app�y the Funds to pay the Es�raw It�ms nfl later than t�� time �pe�ified under
<br /> RESPA. Lender shall not charge Bv�rower for hvlding and applying #h� Funds, �nnually analyz�ng the
<br /> e5crow �c�vunt, or �eriFying the Escrnw Iten�, unl,ess Lender pays Bvrrvwer interes� on �he Funds and
<br /> App�icable Law penmits Lender to make such a charge. Ur�Qss an agreement is made Yn writing or
<br /> App�icable Law requ�re�interest to be paid on the Fu�.nd�, Lender shall not be required to pay Bvrrower any
<br /> int�res�ar earnings nn t�e Fund.s. Borrower and Lender can agree in writing, huwever, that inter�e�t sh�l be
<br /> paid vn �h� Fund�. Lender sha�� gi�e �v Bnrrower, wi�huut charge, an annual accaunt�ng af the Funds as
<br /> required by RESPA.
<br /> If�ere is a surplus of Funds held in escmw, as def�ned under RESPA, Lender shall account ta Bormwer fvr
<br /> the excess funds in�ccvrdar�e with RESPA. If t�ere is a short�ge of Funcis held in escrvw, as def�ned under
<br /> RESP'A, Lend�r shall nvtify Bvrnvwer as required by RESPA, axYd Borrower sha�l pay �o Lend�r the �rnourYt
<br /> necessary to mak,e up the shvrtage in accordance with RESPA, but in nv mare�an 12 m�nthly paymen�s. If
<br /> #here is a deficiency of Fund� held in �scrow, as defined under RESP�i, Lender shali nntif� Bvrrower a�
<br /> required by RESPA, and Bnrrower shali pay tn Lender the amvunt necessa�y �a make up t�e deficien�y in
<br /> acc�r+dance with RESPA, but in no mvre than 1�manthly p�yments.
<br /> Upan payment in full af all sums secured hy this 5ecu.r�ity Ins�.vmen� Lender 5ha11 pmmptly refund ta
<br /> $orrawer any Funds held by Len�r.
<br /> 4. Charges; Liens. Bvrrov�er shall pay a�� taxes, assessmen#�, charges, f�nes, and impvsitions attar�ibut�a�e ta
<br /> the Propert�y which�an ati�un privrity v�er�hi5 Security Ins�rurnen� lea�ehv�d payments or grvund rent� on
<br /> #he Prope�rty, if any, an� Cornrnunity Associatiun Dues, Fees, and Assessment�, if a.ny. To #he extent #�hat
<br /> �hese items are Escr+aw Itexns, Barmwer shall pay them in the manner pro�ided in Sectian 3.
<br /> B�rrnwer shall pmmptly discharge any lien which has privr��y ��er �his Security Ins�iment unless
<br /> Bnrrawer: �a� agrees in r�r��ting ta the payment v�the v��gatian secur�d�y #he �ien �n a manner acceptab�e
<br /> to Len�er, but vnly sa ivng as Bvrnav�er is gerforming 5uch agreement; �b} c�ntest� #he lien�n gnod fai�by,
<br /> nr defends against enfarcemer�t vf the lien in, legal praceeslings whi�h in Lender'S op�ini�n operate to prevent
<br /> �he enfar�cement af the lien while th�se pr+a�eedings are pending, but only un�il such �roceeclings arre
<br /> conc�uded; vr�c� secure5 from the holder of the lien an agreement satisfactary t� Lender subardinating �he
<br /> lien �a thai� Security Ir��n�.ment If I�nder dete�mine� that any pa�t�f the Pr�aperty is subject to a�ien which
<br /> can atta�n privrity v�er this 5ecurity Instrvmen� Lender may giv� Bormwer a n�tice identifying the lien.
<br /> Within 1� day� nf the dat�on which that natice is gi�en, Borrawer 5ha�i satisfy �e lien or t�ke vne vr mare
<br /> nf�e activns set farth abv�e in�.is Section 4.
<br /> Lender xnay re�ure Bvrrower t�o pay a vne-t�me eharge for a real estate �x �eri�i�ativn andlnr repor�ng
<br /> serv�ce u�ed by Lenckr in cannection wi�h this Lvan.
<br /> 5. Prop�r�y Insurance. Barrawer sha�i keep the imprv�ements now existing vr hereaf�,er erected nn the
<br /> PmpeYty insu.red agairYst lo5s by fire, hazar[i� inc�uded within the �errn "extended cv�erage,"and any other
<br /> hazards including, but nvt lim�ted tQ, ear�hquakes and flovd5, for whaich Lender requires insurance. This
<br /> insurance shali be maintained in �he amvun�s [including deductibl� tevels} and fnr the per�ods t�t Lender
<br /> requines. What Lender requires pursuant ta #�e p�ceding sentences can change dur�ng the term of�e Laan.
<br /> The insurance �airier pmviding the ins�ce shalY be chosen by B�rrvwer subject ta L�nder's �ght �a
<br /> disappr�ave Bvrrower's chaice, which right �hall nut be exercised un�neasanably. Lender may require
<br /> Barmwer tv pay, in connect�on with �tus Loan, ei�er. (a} a ane-time charge fvr flv�d zone determination,
<br /> cer�ification and �acl�ng s�rv�ces; or (b) a vne-�me charge fvr fload zane determinati�n and cer�ific�non
<br /> 001124D49745 C�t�nk 3.2.91.�I3 Y3
<br /> N�RASKA-Sing�Family-Fannie M�lFreddie Mac LlNIF�i�IA INSTRUM�#T WITH MEAS Farm 3028 il01
<br /> Wofter�s Kiuwer Financial Servi�es VMR6AtN�{�e3s 2�],U�
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