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2� 17� 1 �59
<br /> to Lender Funds for any or al�Escraw I�erns at any�ime.Any such waiWer may only be in writing.!n the
<br /> e�ent af such wa��er, Borrvv+rer shall pay direc��y,wher�and where payabfe,the amaun�s due for any
<br /> Escrow Items far which payment af Funds has been wai�ed hy Lender and, if Lender requires, shal[
<br /> furnish�v Lender receipts e�idencing such payment within such time perivd as Lender may require.
<br /> gorrawer'�obligativn to make such payments and to provide receipts shafl�or a[[purpos��be deemed
<br /> �o be a co�enant ar�d agreement cantained in#his Security�nstrument, as the phrase"cvWenan�and
<br /> agreement"is used in Sect�on 9. If Bvrrower is ob�igated to pay Escrow�tems directly, pursuan�to a
<br /> waiver,and B�rrower€ails to pay the amount due fo�an Esc�ow Item, Lender may exercise i�s rights
<br /> under Section 9 and pay suGh amoun�and Borro�ver sha��then b�ob�igated unde�5ection 9 to repay
<br /> �o Lender any such amount.Lender rnay revoke the wai�er as ta any vr all Escrovsr ftems at any time by
<br /> a not�ce gi�en in accordanc�with Section�5 ar�d,upon such re�ocation,Bvrrower shafi pay t❑�ender
<br /> all Funds,and in such amour�ts,tha#are then required under this Sectivn 3.
<br /> Lender may,at any time,cof[ect and hvld Funds in an amvunt�a�sufficient to permit Lender to apply
<br /> the Funds a��he time specifed under RESPA,and�b�not to exceed the max�mum amQunt a lender can
<br /> requ�re under RESPA.Lender sha��estimate the amvunt❑�Funds due an the basis af current data and
<br /> reasanable esfimates of expenditures of future Escrow Items vr otherwise in accordanc�with Applica�fe
<br /> La�v.
<br /> The Funds shall be held in an ins��tutianwhose deposits are�nsured by a federai agency,inst�.rmentality,
<br /> or entity�inc�uding Lend�r,if Lende��s an institution wh�se deposits are s❑�nsured}or in any Federa�
<br /> Hflme L�an gank.Lende�sha��app�y the Fund�ifl pay the Escrow Items na la#er than the time specified
<br /> under RESPA.Lend��shall nvt charge Borrou►er for holding and applying the Funds,annual(y analyzing
<br /> the escraw account,vr veri�yi�g the Escrow Items,unless Lende�pays Barrower interest vn the Funds
<br /> and Applicab�e Law permits Lender ta make such a charge.Uniess an ag��err�ent is made in wri#ing or
<br /> Appli�ab�e Law r�qu�res interest to be paid vn the Funds,Lende�shall not be required to pay Borro�rver
<br /> any interest ar earnings on the Funds.Borr���rer and LendeF can agre��n writing,howeve�,fhat in�eres�
<br /> sha�l be paid vn th�Funds.Lender sha!!gi��t�Bvrrower,vvithvut r.�arge,an annua�accvunting vf the
<br /> Furtt����t�yuiteti[�y R��PA.
<br /> ��there is a surplus o�Funds h�ld in escrvw, as defined under RESPA, Lende�shall account to
<br /> Bo�rawer�or the exr.�ss#unds in ac�ordance wiih�ESPA.if there�s a shorfage a#Funds he�d'€n esc�av�r,
<br /> as def ned under RESPA,L�:nder shail na�ify Borrower as requi�ed by RESPA,and Borro►�er shall pay ta
<br /> Lender�he amount nec.�ssary�o make up the shartage in accordance v►rifh RESPA,but in no mare than
<br /> 1�monthly payments.�f ther��s a defir��ncy af Funds held in es�raw,as def ned under RESPA,Lender
<br /> shall nati�jr Borrvwe�as requ�red by RESPA,and Sorrower sha�l pay tv Lender the amaunt nece�sary
<br /> tQ make up the deficiency in accordance►rvith RESPA,but�n nv ma�e than'i 2 monthly payments.
<br /> Upvn payment in fu�l of a!I sums secured by this Seeur�ty#nsfrument,Lender shail promptly�efund
<br /> to gvrrower any Funds held by Lender.
<br /> 4. Charges; Liens. Sorra�uer shal�pay all taxes;assessments,charges,fines, and impvsitivns
<br /> af�r�butab�e�a t'he Prape�t�whEch�an attain priority o�er this Securi�y Instrument,leaseho�d payments
<br /> ar grvund��nts on the Property,�f any,ar�d Community Assv�ia�ion Dues,Fees, and Asses�ments, if
<br /> any.Tv tt�e extent�hat�#�ese items are Escraw It�ms,Bor�o►�+e�sha11 pay them in the manne�prvvided
<br /> fn S�ction 3.
<br /> Borrv�rer sha�i prvmp�ly disGharge any�ien which has priori#y❑�er th�s Securi�y�nstrument uniess
<br /> Bo�rower:�a}agrees in wri#ing to th�payment o'fthe obligation�ecured by th�iien in a manner acceptab�e
<br /> #v Lender,but vnly so iong as�or�awer is perform�ng such agreement;(b}cvntests the lien in gaod fai�h
<br /> by,vr defends against enfo�cernent af the li�n in,legal proceedinc��which in Lender's opin�fln vpe�ate tv
<br /> preventthe�nfvrcemenf of the lien whil�thos�proceedings are pending,hu#oniy until such proceedings
<br /> are concluded;flr(c}secu�es frvm the holderafihe lien an agreement satisfac�aryt❑Lendersubo�dinating
<br /> the l�en to thi�Security in�trument.1f L�nder determines tha�ar�y part❑f the Property�s subject tv a lien
<br /> wh€ch can attain priority o�e�this Secur�ty lnstrumen�, Lender may give Barrawer a not�ce�dentifying
<br /> the lien.Within'�0 days of�he date on which that natice is gi�en,8�r�ower shall sa#isfy#he�ien or take
<br /> an�or�vre a�the actions set�or�h aba�e in th�s Section 4.
<br /> Lender may require Bor�vw�r to pay a one-time charge fnr a real estate tax�e�f�ation andtvr
<br /> repnrting senric�used by Lender in connectivn with this L�an.
<br /> 5. P�ropettylnsurance.Borrowershall keepthe improvements now existing vrherea�kererecte�❑n
<br /> the Property insured against loss by f re,hazards inc�uded v�rithin the term"extended caverage,"and any
<br /> vthe�ha�a�rds including,but not limited#o,ear���quake�and f�oods,fvr which Lende�requires insurance.
<br /> This insurance shall be maintained in the amoun�s{�ncluding deduc��hle levels}and far the per�ods tha�
<br /> Lend�r requires. UVhat Lender requires pursuant to th� preceding sen#ences can �hange dur�ng the
<br /> term af the Loan.The insurance carrier pra�iding the insurance shall be chosen by Bar�awer sub�ect ta
<br /> Lender's righ��a disapproWe Bti�rawer's choice,which right shall nat�e exercised unr�asvnab�y.Lender
<br /> may require Bor�awer t❑pay,�n cvnnectivn with this Loan;eithe�:�a}a vne�time charge for flood zvne
<br /> det��mina#�on,certification and tracking services;or{b}a ane-time charge for flood zone dete�minatian
<br /> and certifrcation senrices and suhsequent�harges each time remappings or similar changes occurwhi�h
<br /> reasvnab�y might af�ec#such d�termination or ce�ifcaf�an.Borrower shall alsa be responsible for#he
<br /> payment❑f any�e�s imposed by the Federaf Emergency Management Agency in cannection with the
<br /> re►ri�w of any flvod zvne determination resuiting�ram an ob�ection by Borrawer.
<br /> If Bor�ower fails to maintain any of the c�verages described abvWe,Lender may obtain insuranc�
<br /> coW�rage,a�Lender's❑ptivn and Sorrvwer's expense.Lender�s under na obl�gation to pur�hase any
<br /> part�cuiar�yp�o�amount o�cav�rage.Therefore,su�n coverage sha!!cvver Lend�r,but might or might
<br /> not prvtect Borrawe�,Borro�rer's equ�ty in the Pr�per�y,vr the c�ntents of the Prop��ty,aga�nst any r�sk,
<br /> hazard ar liabi[ity and might pror�ide grea�er or lesser Gv�erage than►nras pre�ivusly�n effect.Borrawer
<br /> NE6RASKA--Si�gEe Fami�y--�anni��iaelFreddie i�'fac UNlFC3RM lNSTRUMENT Fortn 30281I��t
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