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<br />Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant
<br />or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that a.11eges that
<br />the other pazty has breached any provision of, or any duty owed by reason of, this Security Instrument, until such
<br />Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section
<br />15) of such alleged breach and afforded the other pariy hereto a reasonable period after the giving of such notice to take
<br />corrective action. If Applicable Law provides a time period which must elapse before certa.in action can be taken, that
<br />time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportuaity to
<br />cure given to Borrower pursuant to Section 22 and the norice of acceleration given to Bonower pursuant to Section 18
<br />sha11 be deemed to satisfy the notice and opportunity to take corrective action provisions of this Secrion 20.
<br />21. Hazardous Substances. As used in tlris Section 21: (a) "Hazardous Substances" are those substances defined as
<br />toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline,
<br />kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials
<br />containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws
<br />of the jurisdiction where the Properiy is located that relate to health, safety or environmental protection;
<br />(c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in
<br />Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise
<br />trigger an Environmental Cleanup.
<br />Borrower sha11 not cause or permit the presence, use, disposal, storage, or release of any Haza.rdous Substances, or
<br />threaten to release any Hazardous Substances, on or in the Properiy. Borrower shall not do, nor a11ow anyone else to do,
<br />anything affecting the Property (a) that is in violation of aay Environmental Law, @) wluch creates an Environmental
<br />Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely
<br />affects the value of the Property. The preceding two sentences sha11 not apply to the presence, use, or storage on the
<br />Property of sma11 quantities of Hazardous Substa.nces that are generally recognized to be appropriate to normal residential
<br />uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products).
<br />Borrower shall promptly give Lender written norice of (a) any investigation, claim, dema.nd, lawsuit or other action
<br />by any governmental or regulatory agency or private pariy involving the Property and any Hazardous Substance or
<br />Environmental Law of which Borrower has actual lmowledge, (b) any Environmental Condirion, including but not
<br />limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition
<br />caused by the presence, use or release of a Hazardous Substance wluch adversely affects the value of the Property. If
<br />Borrower learns, or is norified by any governmental or regulatory authority, or any private party, that aay removal or
<br />other remediarion of any Hazardous Substance affecting the Property is necessary, Borrower shall prompdy take all
<br />necessary remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on Lender
<br />for an Environmental Cleanup.
<br />NON-iJNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows:
<br />22. Acceteration; Remedies. Lender shall give noHce to Borrower prior to acceleration following Borrower's
<br />breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18
<br />unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure
<br />the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default
<br />must be cured; and (d) that failure to cure the default on or before the date specifited in the notice m$y result in
<br />acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall farther
<br />inform Borrower of the r�ght to reinstate after acceleration and the rlght to bring a court action to �ssert the noa-
<br />existence of a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or
<br />before the date specified in the notice, Lender at its opt3on may require immediate payment in full of all sams
<br />secured by this Security Instrument wlthout further demand and may invoke the power of sale and any other
<br />remedies permitted by Applicable Law. Lender shall be entitled to collect all ezpenses incurred in pursning the
<br />remedies provided in this Sectton 22, including, but not limited to, reasonable attorneys' fe� and costs of title
<br />evidence.
<br />NEBRASKA -Single Family-Fannie Mae/Freddle Mac UNIFORM INSTRUMENT Form 3028 1/01
<br />Page 11 of 13
<br />ios, inc. Borrower(s) Initlals ,� �'1, C�. �•
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