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200002416 LOAN #:
<br />(c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations with regard to
<br />the terms of this Security Instrument or the Note without that Borrower's consent.
<br />13. Loan Charges. If the loan secured by this Security Instrument is subject to a law which sets maximum loan charges, and
<br />that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the loan exceed
<br />the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted
<br />limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may
<br />choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund
<br />reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge under the Note.
<br />14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by
<br />first class mail unless applicable law requires use of another method. The notice shall be directed to the Property Address or any other
<br />address Borrower designates by notice to Lender. Any notice to Lender shall be given by first class mail to Lender's address stated
<br />herein or any other address Lender designates by notice to Borrower. Any notice provided for in this Security Instrument shall be
<br />deemed to have been given to Borrower or Lender when given as provided in this paragraph.
<br />15. Governing Law; Severability. This Security Instrument shall be governed by federal law and the law of the jurisdiction in
<br />which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable
<br />law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the
<br />conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable.
<br />16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument.
<br />17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold
<br />or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's
<br />prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument.
<br />However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument.
<br />If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less
<br />than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security
<br />Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by
<br />this Security Instrument without further notice or demand on Borrower.
<br />18. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement
<br />of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period as applicable law may specify
<br />for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of a
<br />judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due
<br />under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or
<br />agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys'
<br />fees; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lender's rights
<br />in the Property and Borrower's obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon
<br />reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully effective as if no
<br />acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under paragraph 17.
<br />19. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with this Security Instrument) may
<br />be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Servicer ")
<br />thatcollects monthlypayments due under the Note andthis Security Instrument. Therealso maybe oneormorechanges ofthe Loan Servicer
<br />unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change in accordance
<br />with paragraph 14 above and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which
<br />payments should be made. The notice will also contain any other information required by applicable law.
<br />20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous
<br />Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation
<br />of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities
<br />of Hazardous Substances that are generally recognized 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 any
<br />governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of
<br />which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory authority, that any removal
<br />or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary
<br />remedial actions in accordance with Environmental Law.
<br />As used in this paragraph20, "Hazardous Substances" arethose substances defined astoxic orhazardous substancesbyEnvironmental
<br />Lawandthefollowingsubstances: gasoline, kerosene, otherflammable or toxic petroleum products, toxicpesticides and herbicides, volatile
<br />solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph 20, "Environmental Law"
<br />means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection.
<br />NON - UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows:
<br />21. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of
<br />any covenant or agreement in this Security Instrument (but not prior to acceleration under paragraph 17 unless applicable
<br />law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not
<br />less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to
<br />cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security
<br />Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and
<br />the right to bring a court action to assert the non - existence of a default or any other defense of Borrower to acceleration and
<br />sale. If the default is not cured on or before the date specified in the notice, Lender, at its option, may require immediate
<br />payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and
<br />any other remedies permitted by applicable law. Lender shall be entitled to collect all expenses incurred in pursuing the
<br />remedies provided in this paragraph 21, including, but not limited to, reasonable attorneys' fees and costs of title evidence.
<br />If the power of sale is invoked, Trustee shall record a notice of default in each county in which any part of the Property
<br />is located and shall mail copies of such notice in the manner prescribed by applicable law to Borrower and to the other persons
<br />prescribed by applicable law. After the time required by applicable law, Trustee shall give public notice of sale to the persons
<br />and in the manner prescribed by applicable law. Trustee, without demand on Borrower, shall sell the Property at public
<br />auction to the highest bidder at the time and place and under the terms designated in the notice of sale in one or more parcels
<br />NEBRASKA- Single Family - FNMA/FHLMC UNIFORM INSTRUMENT
<br />Form 3028 9/90 Amended 5/91
<br />NEVDEED Page 4 of 5
<br />Initials:
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