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<br /> Governing Law;Severability.This Security Instrument shall be governed by federal law and the laws of the state
<br /> of Nebraska. In the event that any provision or clause of this Security Instrument or the Note conflicts with
<br /> Applicable Law,such conflict shall not affect other provisions of this Security Instrument or the Note which can be
<br /> given effect without the conflicting provision.To this end the provisions of this Security Instrument and the Note
<br /> are declared to be severable.
<br /> Borrower's Copy.Borrower shall be given one copy of this Security Instrument.
<br /> Transfer of the Property or a Beneficial Interest in Borrower.If all or any part of the Property or any interest
<br /> in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a
<br /> natural person) unless the Note shows that Borrower's loan is assumable, Lender may, at its option, require
<br /> immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be
<br /> exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument.If the Note
<br /> shows that Borrower's loan is assumable,Borrower must obtain Lender's written permission for an assumption and
<br /> follow any other requirements of Lender related to an assumption.If Borrower does not do so,Lender may require
<br /> immediate payment in full of all sums secured by this Security Instrument.
<br /> if Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a
<br /> period of not less than the minimum number of days established by Applicable Law from the date the notice is
<br /> delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower
<br /> fails to pay these sums prior to the expiration of this period,Lender may invoke any remedies permitted by this
<br /> Security Instrument without further notice or demand on Borrower.
<br /> Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have
<br /> enforcement of this Security Instrument discontinued at any time prior to the earlier of:(a)5 days(or such other
<br /> period as Applicable Law may specify for reinstatement)before sale of the Property pursuant to any power of sale
<br /> contained in this Security Instrument; or (b) entry of a judgment enforcing this Security Instrument. Those
<br /> conditions are that Borrower: (a)pays Lender all sums which then would be due under this Security Instrument
<br /> and the Note as if no acceleration had occurred;(b)cures any default of any other covenants or agreements;(c)
<br /> pays all expenses incurred in enforcing this Security Instrument,including,but not limited to,reasonable attorneys'
<br /> fees to the extent permitted by law;and(d)takes such action as Lender may reasonably require to assure that the
<br /> lien of this Security Instrument,Lender's rights in the Property and Borrower's obligation to pay the sums secured
<br /> by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower,this Security Instrument
<br /> and the obligations secured hereby shall remain fully effective as if no acceleration had occurred.However,this
<br /> right to reinstate shall not apply in the case of acceleration under the section titled Transfer of the Property or a
<br /> Beneficial Interest in Borrower.
<br /> Sale of Note Change of Loan Servicer.The Note or a partial interest in the Note(together with this Security
<br /> Instrument)may be sold one or more times without prior notice to Borrower.A sale may result in a change in the
<br /> entity (known as the "Loan Servicer") that collects periodic payments due under the Note and this Security
<br /> Instrument.There also may be one or more changes of the Loan Servicer unrelated to a sale of the Note.If there is
<br /> a change of the Loan Servicer,Borrower will he given written notice of the change in accordance with the section
<br /> titled Notices and Applicable Law.The notice will state the name and address of the new Loan Servicer and the
<br /> address to which payments should he made. The notice will also contain any other information required by
<br /> Applicable Law,
<br /> Hazardous Substances.Borrower shall not cause or permit the presence,use,disposal,storage,or release of any
<br /> Hazardous Substances on or in the Property.Borrower shall not do,nor allow anyone else to do,anything affecting
<br /> the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the
<br /> presence,use,or storage on the Property of small quantities of Hazardous Substances that are generally recognized
<br /> to be appropriate to normal residential uses and to maintenance of the Property.
<br /> Borrower shall promptly give Lender written notice of any investigation,claim,demand,lawsuit or other action by
<br /> any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or
<br /> Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any
<br /> governmental or regulatory authority,that any removal or other remediation of any Hazardous Substance affecting
<br /> the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with
<br /> Environmental Law.
<br /> As used in this paragraph,"Hazardous Substances"are those substances defined as toxic or hazardous substances
<br /> by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum
<br /> products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and
<br /> radioactive materials.As used in this paragraph,"Environmental Law"means federal laws and laws of the state of
<br /> Nebraska that relate to health,safety or environmental protection.
<br /> Acceleration; Remedies. Lender shall give notice 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 the
<br /> section titled Transfer of the Property or a Beneficial Interest in Borrower,unless Applicable Law provides
<br /> otherwise).The notice shall specify: (a)the default; (b)the action required to cure the default;(c)a date,
<br /> not less than the minimum number of days established by Applicable Law from the date the notice is given
<br /> to Borrower,by which the default must be cured;and(d)that failure to cure the default on or before the
<br /> date specified in the notice may result in acceleration of the sums secured by this Security Instrument and
<br /> sale of the Property.To the extent permitted by law,the notice shall further inform Borrower of the right
<br /> to reinstate after acceleration and the right to bring a court action to assert the non-existence of a default
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<br /> Consumer Real Estate-Security Instmment DI.2036 Page 4 del wrv.-w comphancesyslems Coin
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