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2� 17�2874
<br /> to Lender Funds for any or a[I Es�row ltems at any time.Any such v�rai�er may an[y be in virr�ting.In th�
<br /> even��f such waiver.Borrower shal�pay directly,when and where payah�e,the amounts due fvr any
<br /> Escrow ltems�or which payment❑f Funds has heen wai�red by Lender and, if Le��der requires,shall
<br /> �u�nish to Ler�der receipts evidencing such payment within such time period as L�nder may requir�.
<br /> gorrvwe�'s vbligation to make such payments and to provide receipts shaf�#or all pu�poses be deemed
<br /> ta be a covenant and agreement confained ir3 this Security Instrument, as th�phrase"cvv�nan�and
<br /> agreement"is used in Section 9. 1�8arrower�s obligated to pay Escrow Items direct[y, pursuant tv a
<br /> v+raiver, and Barrvv+rer fails to pay the arnount due�ar an Escrow lt�m, Lend�r may exercise i#s rights
<br /> under Section 9 and pay such amount and Borrovver shal�then be obligated ur�der Sectivn 9 ta repay
<br /> to Lender any such amaunt.Lender may revoke the vuaiWer as#❑any o�a�l Escrow Items at any time by
<br /> a nvtice�iven in accordancc�with S�ction�5 and,upvr�such reWacation,Borrower sha11 pay t❑Lender
<br /> af[Funds,and in such amou��ts,tha�are�hen requ�red under this Section 3.
<br /> �ender may,at any time,co[�e��and hold Funds in an amvunt�a}suffcient to permit Lend�r to app�y
<br /> #he Funds at the time specified under RESPA,and�b}no�ta ex�e�d the maximum amount a lende�can
<br /> r�quire under RESPA.Lende�sha[l estimate the amvunt a�Funds due on the bas�s o#current data and
<br /> reasonab(e esiimates��expendi#u�es of future Escrovv�fems or o�henrvise in accardance with App�icab�e
<br /> Law.
<br /> The Funds sha�l be held in an insiitu�ivnwhase depasits are insur�d by a�ederal agency,instrument�lity,
<br /> ❑r entity(including Lende�,if Lender is an institution whas�deposits are sv insured}vr in any Fed�ral
<br /> Hame Loan Bank.Lende�shall app�y the Funds tv paJ�the Escrow Items n❑[a�er than the time specifed
<br /> under RESPA.L�nder shall nvt charge Barrawer for holding and applying the Funds,annually analyzing
<br /> the escrow account,vr Wer€�y�ng the Escrow i�ems,unless Lender pays Barrower interest vn the Funds
<br /> and Applicab�e Law permits Lend�r t�make such a c�arge.Ur��e�s an agreemen#is ma�e in wri#ing or
<br /> App��cab[e Law requ�res�n�erest ta be paid on#he Funds,Lender sha�l r�ot be required to pay Barrower
<br /> any interest or earnings❑n the Funds.Borrawer and Lender can agree in wri#ing,hav,rever,�ha�interest
<br /> sha[[be paid on the Funds.Lender shai[gi�e tfl Borrvwer,without charge,an annua!account�ng vf�he
<br /> Funds as required by RESPA.
<br /> 1f there�s a surp�us o�Funds he[d in escrow, as defined under RESPA, L�nder shal! account to
<br /> Borro�rer for the excess#unds�n ac�vrdance w�th RESPA.��there is a s#�or�age of Funds h��d in escraw,
<br /> as defined under RESPA,L�nder sha!!notify Sorrower as required by RESPA,ar�d Borrow�r shall pay to
<br /> Lender#he amvunt ne�essary�o make up�he shortage in accordance with RESPA,but in no more than
<br /> 12 monfh�y payments.I�fhere is a deficiency a�Funds hetd in esc�ow,as d�fined under RESPA,Lend�r
<br /> sha1�nvtify Borrower as requ�red by RESPA,and Borrvwer shall pay to Lender the amvunt necessary
<br /> to make up tfie defci�ncy in accardanc�with RESPA,bu�in no more than'�2 monthly payments.
<br /> Upon paymen#€n full vf a1�surns secu�red by this Secur�ity�nstrumen�,Lender shall promptly refund
<br /> t❑Sor�ow��any Fur�ds held by Lender,
<br /> 4. �harges; L�ens.Borrvv�re�shal�pay all�axes, assessments, Charges,fines,and impositions
<br /> attributable ta the Prap�rty which�an a�tain privrity over th�s Security Ins�rument,�easeho�d paymen�s
<br /> ��ground rents an the Prop�r��+,��any,and Cvmmun�ty Assaciat�ot�Dues, Fe�s,and Assessments, if
<br /> any.To the ex�ent#hat thes�items are Escrow�temsi go�rawer shafl pay�hem in the manner pro�ided
<br /> in Section 3.
<br /> Barrower shalf prvmpt�y discharge any li�n►nrhich has priority over this Security�ns�rument un�ess
<br /> Borr�vver:�a}ag�ees in writ�ng#o the paymen�of�he vbiiga#ion secured by the lien in a manner acc�ptabl�
<br /> �o Lender,but only s�long as Bar�awer is per�orming such agre�ment;(b}�ontests the�ien in govd faith
<br /> by,ar de�ends aga�nst enfarcement o�the�ien�n,�egaf prviceedings which in Lender's❑pinion operate ta
<br /> prevent�he en��rc�ment of the I�en v►rhile those proceed�ng�are pending,but vnly unti!such proceed�ngs
<br /> are concluded;or(c}se�ures from the ha�der afthe[�en an agreemen�satis�actary ta Lender subordinat€ng
<br /> t�e lien�a this Secu�i�y�nstrument.�f Lender determines that any part af�he Property is su��ect to a�ien
<br /> which can attain priority aWer this Security�nstrument, Lender may give Borrovuer a notic�identifying
<br /> �he lien.Wthin�0 days vf the date on which that noti�is giW�n,Barrvwer sha�C satisfy the fien vr take
<br /> one or more�f the ac�iar�s sef fort��aboWe in th�s 5ec#ion 4.
<br /> Lend�r may require Borrower to pay a ane-time charge far a r�al eState tax v�rif cation andfor
<br /> repart�ng serv�ce used by Lender in connection with this Lvan.
<br /> 5. Property lnsuran�e.Borrower shall keep�he impravements now exis�sr�g or her�after er�cted❑n
<br /> #he Property insured against ivss by fire,ha�ards inc�uded�vithin�he teFm"ex�ended coverage,"a�id any
<br /> �the�hazards inc�uding,but nvt limi��d tv,ea�l�quakes and�oods,forwhich Lender requires insurance.
<br /> This insurance shal�be maintain�d in the amounts�inc[uding deductib[e levels}and for the periads that
<br /> Lender requir�s. What Lende�requires pursuant�v the preceding sen�er�ces can change during the
<br /> term�f the Laan.The�nsurance carri�r pro�iding the insurance shal[be chosen by Bvrrower subjec�ta
<br /> Lender's right ta disappraWe garrvwer's choice,which right sha�l n�t lae exercised un�easanably.Lender
<br /> may requi�e E3arrower#o pay,in cannection with this Lvan,either:�a}a❑ne-time charge for�Ivvd zone
<br /> determination,certification and tracking services;or�b}a ane-fime charg��or fload zone detet�mination
<br /> and certification services and subsequent charges�ach#ime remappings v�similar changes occur►nrhich
<br /> r�asanah[y might affe�t suCh determinatian or ce��fication.Borrvwer shalf also be respvnsible fa��he
<br /> paymer�t of any fees imposed by the Federa!Emergency f111anagemen�Agency�n cvnnectivn with the
<br /> review af any flood zvne determ�natian resulting from an ob�ectian by Borrawer.
<br /> �f gorrvwe�fai�s�v maintain any of the co�erages described above, �ender rnay obta�n insurance
<br /> ca�erage,at Lender's opt�vn and Borrower's expense.Lender is under no ob�igatian to pu�chase any
<br /> particular#ype or amvunt vf�ove�age.Theref�re,such co�e�age shall�ov��Lender,but might or might
<br /> nat protect Bo�rawer,Borrow�r's equity in the Praperty,or#he contents❑f#he Proper�y;aga�nst any risk,
<br /> hazard or lia�ili�y and might prv��de greater vr lesser co�erage than�►ras pre�ious[y in ef��ct.Bo�rov+rer
<br /> NEBRASKA--Single Family--Fanni�Mae1F�-�ddie Mac UN�FQRC1�1NSTRUMENT �vrm 3��8'il�'t
<br /> Etlie Mae,cr�c. Page 4 of�� NEU�EED 04i5
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