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2� 17� 1529 <br /> LC��►N#: a'I�13'I Q?�` <br /> to Ler�d�r Funds far any or all �sGra�v�tems at�ny�ime.�4n�r such waiWer n�tay t�n�y be in►n►riting. Ir�the <br /> even�af su�h wa����, Borrower shal� pay directly,�v��n an�where payab�e, the amaunts �u�for any <br /> Escro►nr 1�ems for whicF� paymen�t vf�'�nds has k��en wai►►ed by L�nder an�, �f Lender requi�es, shall <br /> fur��sh �a Le►�der�eceipts evidencing su�h paymer�t wi�hin �u�h time ��riod as �.�rtd��m�� require. <br /> Boe�o���'s ab�igatio�to make such paymen�s and tQ provi�e r��eipts shall�ar al�purpases�e deemed <br /> to be a�a�er�a�n�and agreemer�t can�ained in this Se��r��y In��rumer��, as the �h�ase"covenant a�d <br /> agreemer�t" is used �r� �ec�ign 9. If E3o�vwe�i� o�liga�ed #o pay Escrov�►I�err�s dir�ct�y, pursuan�t� a <br /> �nra�ver, ar�d Bvrro�e�fai�s ta pay th�amvunt due for a� Escro�r item, Lender ma� exe�c�se i�� righ�s <br /> under�eCtion 9 ar�d pay such am�unt an� Barrav�►e�shal�then be vb�i�a�ed un�er�Sec�iorr 9 to repa�r <br /> to Lend�r any su�h a�vun�. Lender may r�v�k�t.�e►�vaiver as t�any ar all Es�row items a�any tirr�e by <br /> �nvtic��ive�in a�ca�dance�v�th Sec�ion 'I�an�, u�on suc�re�►ocation, B�rrv�er sha�l pay tv L�nder <br /> a�l Funds, an�ir��ueh arr��un��,�ha�are th�n r�qu�red un�er th�s Sec�ic�n 3. <br /> Lende�may,at any time,collec�and hold�unds in an amour���a}s��ficient�o permit Lend�r to apply <br /> �he Funds at�he time sp�cified under RE�PA,ar���b)r�at t�ex�ee��he maxim�m amaun�a�ender can <br /> requ�re ur�de�RESP�. Lender shali estimate�he ar�n�un#of Funds due vn�he basis of curr�r�t da�a a�d <br /> reasonab�e estimates of�xp�ndi�ures af fu#ur�Escrow Items or other-vvise in accflrdance�i�h App�i�able <br /> Law. <br /> �`h�F�nds s�ali be held in an�ns�i�u�ion whose deposi��are insured b�a federai agency,ir�st�umenta�ity, <br /> or enfiity �incfuding L�nder, if Lender is an institu�ian vvhos�d�pvsi�s ar�so insured}or in an� F�dera� <br /> H�me Loan gank.Lender shall ap�ly t��Funds to�ay�he Escrav�r I�ems no!a#e�-than�he time speci�ed <br /> under RE�PA.Lender shall r��t charge Barra�ver fior holding a�d applyi�g�he F�nds,ann�afly ar�alyzing <br /> the�sc�ov►r ac��un�,ar����fying the EscrQw Items, u�less Lender pay�Borrower interest an the Funds <br /> and Appi�cabl�Law permits L�nder�o make such a charg�. Unless an a�r�e�nent i�ma��in writ�ng�r <br /> A�pl�cab�e Lavw requires in�eresf�a be paid on the Funds,Lender sha�l not be required tv�a�r Bo�a�n►�r <br /> any inf�rest ar earr�ir�gs an the Fur�ds. �3�r����r and Lender ca�agree in v�ri�ing,however,tha�inter�s� <br /> sha�l b�pa�d�n the�un�s. Lender shall give tv Borrorrver,wi�hnut charge, an�r�nua�acc���#ing ofi�he <br /> Funds as required by RESPA. <br /> �f there �s a surp�u� o�Funds he�d in escr�w, as �efin�d und�r RE�PA, Lender shall account#o <br /> F3�rrow�r far�he exc�ss�unds in�ccordance�vitM RE�PA.If th�re is a s�artage�f Funds h���d in esc�o�r, <br /> as def ned under�E�F�A,Len�er shali rta�i'iy Borro�ver as req�ired by RESPA,�nd���rower shalf pay�a <br /> Lender the amvunt nec�ssar��o m�ke up�h�s��r#ag�in accor�ance with RESPA,but in no more than <br /> �2 mr�nt�ly payments.I��here is a d�fci�ncy of Fun�s h�ld in es�row,as�efn�d unde�F�E�PA, L.ender <br /> shal[ not�fy go�r�vver as required�y R�SP�4, and 6arra�+rer sha�l pay t❑ Lend�r the amount ne�essary <br /> �o make uR t�e�efciency�n�c�o�dance�ith RESPA, but in na mor�e��an ��rnon�h�y�aymen�s. <br /> lJpon paymen��n fuil�f al!�ums sect�red��this Secur��y lns�rument, Lend�r s�ali�romp��y refur�d <br /> ��Borrower any Funds held by L�r��er. <br /> �. C'harges; Liens. gorrower�ha�l pay alI�axes, assessm�n�s, �harg��, fnes, and impasitians <br /> attributabl��o the Prap�rty�vhich can a�a�n pri�rity o�rer tF�is Securi� �n�trument, [eas�h�l� payments <br /> or�round ren�s on the F'roperty, if any, ar�d Community►4ssaciatio� au�s, Fe�s, and Assessmen�s, �f <br /> any.T�a�he ex�er���hat thes�items are Escrow Iterr�s, Borrow�r s�all pay them in the manner provi�ed <br /> in Section 3. <br /> Borro�rer sh�ll promptly d�scharge ar�y lien whi�h has prior�i��Wer�his Security lnstrumen�unless <br /> B�rr�v�rer:�a�agr�es in uvE-iting t��he p�yment o��he abligat�on secured b}�the lien in a manner ac��p�ab�e <br /> t❑Ler�d�r,bu#❑nly sa long as Borrawer is p�rfvrming sucf�a�reemen�;�b)cantests�he I[e�t in govd fai�h <br /> by,ar de��nds again�t enfvrcemen�of the�ien in,�e�al proceedings wh�ch in L�nd�r's opinian operate#o <br /> prevent the enforcernent of�he iien whil�thase pr�ceedings ar�e pendir�g,bu�only un�il suCh pra�e�dings <br /> are con�lud�d;or�c3 s�cu�esfrom�he h���er af the Iien ar�agre�ment sa�isfactar�l to Lender subv�dina��ng <br /> �he lien ta�his��curity In�trument. If L+ender determines that�ny part of�he Pr�pee�i�subject��a[ien <br /> which can a�tain p�iority over this Secur�ty �nstrum�nt, Lender ma�r give Barrav�rer a no�i�e i�entifying <br /> the lien.�li��in 1 Q days af�he dat�on�n►hiGh tha�notice i�given, Bflrrower shall satisfy the lien o�take <br /> a��or more of�he ac�ions s��for�h above in this S�c�ian 4. <br /> Lend�� ma� requir� Borror►ver �o pay a ❑r��-tim� �harge for a r�a� es�a�e tax ve�ificat�fln andlvr <br /> reporting service used by L�n�er�n co�ne��ion wifh this Loan. <br /> �. Prap�r�y Ir�surance.E�orro�er sha�l keep the impro�emen��n4w existing or her�a�erere�te�on <br /> the Prape�ty�r���r�d aga�inst[�ss by fire,hazards includ�d wi�hin t��t�rrn uex�ended c�vera�e,"a�td an� <br /> o�h�r ha�a�ds in�luding,but r�o�li�nited�t�,earthquakes and f[vads,fvr�rhich Lender requires insu�ance, <br /> This insuran��shall b�main�ained i�th�amount��incl�dir�g ded�ctibl�levels�and far�he periads th�t <br /> Lender requires. 1I1l��t Lender�reqt�ires pursuan�ta the preceding sen�er�ces can �h�ng� during the <br /> term af�he L�ar�.The insurance carrier provid�ng the ins�rance shalf be chasen by B�rra��r subject to <br /> Lender's r�gh�tv d�sap�rQve Borro�er's ehaice,which riyht�hall not be exerc�sed un�-easo�ab�y.Lender <br /> rnay r��uire Borrov�rer�o pay, in canr�ectE�n�vi�h this Loan,ei���r: �a}a or����ime charge for flo�d�an� <br /> de�e�minafii�n,certif�ation and tracking s�rvices;�r�b�a o�e-��me charge for flaod�on�deterrl-�ina�i�n <br /> and ce�tifrcatinn services and subseq�en�ch�rges ea�h fii�e remap�in�s ar�imilar cfianges occUrwhich <br /> rea���a�ly m�gh�af�e�fi such determina�ivn or certifca��on. Borra►rver shall a�sa be r�spa�sibl��or the <br /> payment a�any fees impo�ed by tF�e F�d�ral Emergency Ill�anagemen�Agency in�annect�vn w�th the <br /> reviev�of an�flood�ane d��errni�a�ion resul#ing from an vbjec�ion by�orrvwer. <br /> If Borrowe�-fa�ls�o maintain any Qf�he cv�rera�es desc�ibed abov�, Lend�r r�ay obtain insuran�e <br /> coverage, at Lende�-'s�ptian and B�rrower's expe�se. Len�e�is under n�ob�iga�iart�o p��chase any <br /> particular type�r amount af co��rage.Therefvre,such�overag�shall cov�r�ender, bu�m�g�rt ar might <br /> no�pr�t��t B�rrow�r, Borrower's equity in�he�'roperty,or�he cvr��ents ofth�Property,aga�ns��ny risk, <br /> ha�ard o�-liab�iity and might provide grea��r ar lesser�overage t��n�vas pre�ri�us�y�n e�fec�. B rr w r <br /> . <br /> Initials <br /> NEBRASKA--Sing€e Famiiy--Fann�e�l�lael�redd�e Mac UN�Faf�lll!INSTR�M�NT Form 3a28�1l0'� `� <br /> Elli�Mae,lnc. page 4 of'I D NEUDEED 04�5 <br /> N�EUDEED 4GLS} <br /> �331��1��17 afi:45 AM PST <br /> � �� <br /> 11 <br /> s <br /> � <br />