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<br />20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial
<br />interest in the Note (together with this Security Instrument) can be sold one or more times without prior
<br />notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that
<br />collects Periodic Payments due under the Note and this Security Instrument and performs other
<br />mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There
<br />also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a
<br />change of the Loan Servicer, Borrower will be given written notice of the change which will state the
<br />name and address of the new Loan Servicer, the address to which payments should be made and any
<br />other information RESPA requires in connection with a notice of transfer of servicing. If the Note is sold
<br />and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the
<br />mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a
<br />successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the
<br />Note purchaser.
<br />Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either
<br />an individual litigant or the member of a class) that arises from the other party's actions pursuant to this
<br />Security Instrument or that alleges that the other party has breached any provision of, or any duty owed
<br />by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with
<br />such notice given in compliance with the requirements of Section 15) of such alleged breach and
<br />afforded the other party hereto a reasonable period after the giving of such notice to take corrective
<br />action. If Applicable Law provides a time period which must elapse before certain action can be taken,
<br />that time period will be deemed to be reasonable for purposes of this paragraph. The notice of
<br />acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of
<br />acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and
<br />opportunity to take corrective action provisions of this Section 20.
<br />21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are
<br />those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law
<br />and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic
<br />pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and
<br />radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the
<br />Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup"
<br />includes any response action, remedial action, or removal action, as defined in Environmental Law; and
<br />(d) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an
<br />Environmental Cleanup.
<br />Borrower shall not cause or permit the presence, use, disposal, storage, or release of any
<br />Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property.
<br />Borrower shall not do, nor allow anyone else to do, anything affecting the Property (a) that is in violation
<br />of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the
<br />presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value
<br />of the Property. The preceding two sentences shall not apply to the presence, use, or storage on the
<br />Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to
<br />normal residential uses and to maintenance of the Property (including, but not limited to, hazardous
<br />substances in consumer products).
<br />Borrower shall promptly give Lender written notice of (a) any investigation, claim, demand,
<br />lawsuit or other action by any governmental or regulatory agency or private party involving the Property
<br />and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b) any
<br />Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of
<br />release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a
<br />Hazardous Substance which adversely affects the value of the Property. If Borrower learns, or is notified
<br />by any governmental or regulatory authority, or any private party, that any removal or other remediation
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<br />NEBRASKA --Single Fami y -Fannie Mae Freddie Mac UNIFORM INSTRUMENT
<br />Mortgage Cadence Document Center © 3027 01/14
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<br />Form 3028 1/0 (page 12 of 15 pages,
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