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2� 17�2�78
<br /> to Lender Funds for any or a�l Escrow Items at a��y time.Any such waiver may oniy be in wri�ing.�n the
<br /> event❑fi such waiver, Barrow�r shall pay direc�lyi when and where payable,the amoun�s due for any
<br /> Escrov�r ��ems far which payment��Furids has been waived by Lender and, if Lender requires,shall
<br /> �urnish t� Lender receipts evidencing such payment withir� such time period as Lender may require.
<br /> B�rrower's obliga�ion to make such payments and ta provide receipts sf�a11 for a11 purposes be deemed
<br /> to be a ca�enant and agreement contained i��this Security[nstrument, as th�phras�"c��enant and
<br /> agr�ement"�s used in Sectian 9. �f Bor�awer is ob�igated tv pay Esc�ov�r lt�ms directly, pursuant ta a
<br /> waiv�r. and Borrow�r fails�o pay the am�unt due for an Escrow Item, Lender may ex�rci�e its righ�s
<br /> under Sect�on 9 and pay such amaunt and Borrower shall then be❑b[igated under Section 9�a repay
<br /> ta Lender any such amount.Lende�may revoke the waiWer as�o any or a!I Es�row Items at any#ime by
<br /> a notice gi�ren�n accardance with Section'��a��d,upan such re��cation,Borrower shalf pay to Lender
<br /> a��Funds,and in such art�au��ts,that are then required under this 5ection 3.
<br /> Lender may,at any t�me,callect and hold Funds in an amvunt�a�suff�ient to permi�Lender to apply
<br /> the Funds at the time specifed under RESPA,and�b}na�to exceed the maxiR�um amount a lender can
<br /> �equi�-e under RESPA.Lender shall estimate the amount vf Funds due an�he basis af cur�eri�daia and
<br /> �easonable esfimates o�expenditures of future Escroirv Items vr atherwise in accordance t+vith App�ica�le
<br /> Lau�.
<br /> The Funds sha11 be he�d in an insti�ut€onwhase deposits�re ir�sur�d by a federal agen�y,iristrumentality,
<br /> ar entity�in�luding L�nder,if Lender i�an insti�ution whose depasits ar�sa�nsured}or in any Federa[
<br /> Htime Loan Bank.Lender sha��app[y the Funds to pay the Escrow I�ems no later than the time spec€fed
<br /> under RESPA.Lender sha11 not charg�Borrower fvr holding and app�y�ng the Funds,annua�ly analyzing
<br /> the escrour account,�r Weri�ying the Escraw It�ms,u�less Lender pays garrvwer inte�est on�he Funds
<br /> and Applicable Law permits Lender fa rnake such a charge.Ur��ess an ag�-ee��en�is made in vuriti��g or
<br /> App�icable Law�equires�nterest to be paid�n the Funds,Lender shali nat be required tv pay Borrower
<br /> any interest or eamings❑n the Funds.Bv�rav�rer and L�nder can agree�r�writing,however,that inf�resf
<br /> shall�e paid on the Funds.�er�der shal�gi�e�o Bvrrouver,without charge,an annua[accounting vf�he
<br /> Funds as required by RESPA.
<br /> ��there is a surplus vf Funds he�d in es�rov�, as d�fined under RESPA, Lend�r shall account to
<br /> Barr�wer for the exc�ss funds in accardance with RESPA.If there is a sho�age o�Funds�eld in escraw,
<br /> as defined under RESPA,Lender stlall natify Borrovuer as required by RESPA,and Bor�ower s��a[[pay�o
<br /> Lender�he amount ne�essar�to make up#h�shortage in accordance w�th RESPA,but in no ma�e fhan
<br /> ��monthly pa�m�n�s.[f there is a def ciency of Funds hefd in escro►ni,as d�fin�d urtder RESPA,Lender
<br /> shall noti�y Bo�rov�rer as required by RESPA,and Barrov�rer shali pay to Lender the amount necessar}r
<br /> tv make up fhe deficiency in acco�dance��rith RESPA,but in no more than��mont��ly paymen�s.
<br /> Upon payment in fuli of alI�ums secured by this 5e�urity Instrument,Lender sha�f promptl�r refund
<br /> �a Bo��ower any Funds held by Lender.
<br /> 4. Charges; L�ens. Borrov�rer shal� pay a1i taxes, assessments, charg�s,fn�s, at�d impasitio��s
<br /> attribu�abie to the Prnper��v►rhich Gan attain priori�y o�er th�s Security Ins�rument,leasehoid payments
<br /> ❑r grour7d rents vn the Property,if any,and Community Associ�ti�n Dues,��es,and Assessments,if
<br /> any.To th�extent�hat these items are Escrow l�ems,gvrrav�rer shal!�a�+them in th�manne�provided
<br /> in Sectian 3.
<br /> Bv�rower sha�l�ramptly discharge any�ien which has priority v�er this Security lr�strume��t unless
<br /> Bor�o��rer:ta�agrees in writing to the payment aftt�e ob�igation s�cu�ed by th�lien in a manner acceptable
<br /> ta Lender,but anly so�ong as 8orrovuer is per�orming such agr�emen�;[b}contests the�ien in good faith
<br /> by,vr def�nds against enforcemen#af the�ien�n,�egal proceedings which in Lender's op�nion operate#v
<br /> prev�n�#he enforcement of the�ien whi�e those praceedin�s are pending,but only unti[such praceedings
<br /> a�e conc{uded;�r�c}secur�s from#he halder ofthe[ien an agreemen�satis�act�ry tn L�nder subo�dinating
<br /> the lie���a th�s 5ecurity�nstrument.If Lend�r d��ermines that any par�of�he Pr�perty is subject to a lien
<br /> which can attain priority over fh�s Securi�y Instrumer�t, Lei�der may gi��Borrower a notice�d�ntify�ng
<br /> the Iien.111lith�r��i Q days�f the da#e on w�€ich that notice is gi�en,g�rrovve��haif satisfy the lien or take
<br /> ane❑r rnore vf the activns set forth ab�We in this S�ctian 4.
<br /> L�nder may require Bv��ower tv pay a one�time charge for a r�a! es#ate tax ve�fcativn andtvr
<br /> repar#�ng serv�ce used by Lender in connec�ion with th�s Loan.
<br /> �. Property Insuranc�.BvrroivEr sha�i k�ep th��mprfl�ements no�v ex�sting or hereafte�e�ected❑n
<br /> the Prope�ty insured agains�loss by fire,�hazards in��uded vvi��iin the term"extended coverage,"arid any
<br /> other ha�ards in�luding,but not limit�d to,eart��quakes ar�d fioods,for which Lender requires insuranc�.
<br /> This�nsurance sha��be maintain�d in the an�aunts�including deduc#ib�e levels}and'�ar the periods that
<br /> Lender requ�r�s. What Lend��r�quires pursuan�to�he pre�eding sentences can �hange du�ing �he
<br /> term of the Lnan.The insurance carrier p�o�iding the insurance shal�be chosen by Borrawer su��ect�v
<br /> Lender's�ig��t to disappro�e gorrvurer'�ch�ice,wh�ch r�ght shalf not be exercised unreas�nably.Lender
<br /> may�equ�re�vrrn�rer to pay,�n cannection w�th this Laan,either:�a}a oneMtime charge for flaod zane
<br /> det�rminatian,certificat�on and t�ackir�g senrices;or��}a ane-t�me charge fo�flo�d zone determina�ion
<br /> and ce�tif ca#i�n senr�c�s and subsequent�harges each time remappings or similar char�ges occurwhich
<br /> reasonably migh�affect such de�ermination or cer#ifcat�or�. Borrower shall also be respansibl��ar the
<br /> payment of any fees impased by the Federal Emergency Managem�nt Agency in cvnnection with the
<br /> revie�►v a�any flaad�one de�erm�nation resu�ting from an objectior�by Bo�rower.
<br /> �f Borrower faifs ta main�ain any of the c�verag�s descr�bed above, Lende���ay obtain insurance
<br /> coverage,at Lender's optivn and Bvrrower's expense.Lender is under na abf�gatian ta purchase any
<br /> pa�icu�ar type or amount af caverage.Therefore,such ca��rage sha��cov�r Lender,bu�might or might
<br /> r�vt protect Borrowe�,Borrowerls equity in the Praper�y,or�he contents of�he Praperty,agains#any risk,
<br /> ��azard or liab�l�ty and might pr��ide greater or lesser ca�erag�than v3ras previousiy in e�fiect.Barrower
<br /> NEBRASKA--Sing�e Family--Fanr�i�Ma�l�reddi�Mac UNI�URM INSTRUMENT Fvrm 3028�Ifl'[
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