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202400939 <br />3538531640 <br />Miscellaneous Proceeds to principal due under the Note will not extend or postpone the due date, or change <br />the amount, of the Periodic Payments. <br />3. Funds for Escrow Items. <br />(a) Escrow Requirement; Escrow Items. Borrower must pay to Lender on the day Periodic <br />Payments are due under the Note, until the Note is paid in full, a sum of money to provide for payment of <br />amounts due for all Escrow Items (the "Funds"). The amount of the Funds required to be paid each month <br />may change during the term of the Loan. Borrower must promptly furnish to Lender all notices or invoices of <br />amounts to be paid under this Section 3. <br />(b) Payment of Funds; Waiver. Borrower must pay Lender the Funds for Escrow Items unless <br />Lender waives this obligation in writing. Lender may waive this obligation for any Escrow Item at any time. <br />In the event of such waiver, Borrower must pay directly, when and where payable, the amounts due for any <br />Escrow Items subject to the waiver. If Lender has waived the requirement to pay Lender the Funds for any or <br />all Escrow Items, Lender may require Borrower to provide proof of direct payment of those items within <br />such time period as Lender may require. Borrower's obligation to make such timely payments and to provide <br />proof of payment is deemed to be a covenant and agreement of Borrower under this Security Instrument. If <br />Borrower is obligated to pay Escrow Items directly pursuant to a waiver, and Borrower fails to pay timely the <br />amount due for an Escrow Item, Lender may exercise its rights under Section 9 to pay such amount and <br />Borrower will be obligated to repay to Lender any such amount in accordance with Section 9. <br />Lender may withdraw the waiver as to any or all Escrow Items at any time by giving a notice in <br />accordance with Section 16; upon such withdrawal, Borrower must pay to Lender all Funds for such Escrow <br />Items, and in such amounts, that are then required under this Section 3. <br />(c) Amount of Funds; Application of Funds. Lender may, at any time, collect and hold Funds in <br />an amount up to, but not in excess of, the maximum amount a lender can require under RESPA. Lender will <br />estimate the amount of Funds due in accordance with Applicable Law. <br />The Funds will be held in an institution whose deposits are insured by a U.S. federal agency, <br />instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in <br />any Federal Home Loan Bank. Lender will apply the Funds to pay the Escrow Items no later than the time <br />specified under RESPA. Lender may not charge Borrower for: (i) holding and applying the Funds; (ii) <br />annually analyzing the escrow account; or (iii) verifying the Escrow Items, unless Lender pays Borrower <br />interest on the Funds and Applicable Law permits Lender to make such a charge. Unless Lender and <br />Borrower agree in writing or Applicable Law requires interest to be paid on the Funds, Lender will not be <br />required to pay Borrower any interest or earnings on the Funds. Lender will give to Borrower, without <br />charge, an annual accounting of the Funds as required by RESPA. <br />(d) Surplus; Shortage and Deficiency of Funds. In accordance with RESPA, if there is a surplus <br />of Funds held in escrow, Lender will account to Borrower for such surplus. If Borrower's Periodic Payment <br />is delinquent by more than 30 days, Lender may retain the surplus in the escrow account for the payment of <br />the Escrow Items. If there is a shortage or deficiency of Funds held in escrow, Lender will notify Borrower <br />and Borrower will pay to Lender the amount necessary to make up the shortage or deficiency in accordance <br />with RESPA. <br />Upon payment in full of all sums secured by this Security Instrument, Lender will promptly refund <br />to Borrower any Funds held by Lender. <br />4. Charges; Liens. Borrower must pay (a) all taxes, assessments, charges, fines, and impositions <br />attributable to the Property which have priority or may attain priority over this Security Instrument, (b) <br />Rocket Mortgage, LLC (NMLS #: 3030) I Rocket Mortgage, LLC (NMLS #: 3030) Mona S Sabek (NMLS #: <br />1662743) <br />NEBRASKA—Single Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 07/2021 <br />cx 25306.5 Page 6 of 20 <br />1111EMNOWIANtlitliP 11111 <br />Q103538531640002020002337df715fa-ea4f-Odle-91a6-edc961aa07b50620 <br />