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<br />Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security 
<br />Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. 
<br />Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as 
<br />selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, 
<br />provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality 
<br />or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations 
<br />secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not 
<br />apply in the case of acceleration under Section 18. 
<br />20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note 
<br />(together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might 
<br />result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and 
<br />this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security 
<br />Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of 
<br />the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state 
<br />the name and address of the new Loan Servicer, the address to which payments should be made and any other 
<br />information RESPA requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the 
<br />Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to 
<br />Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the 
<br />Note purchaser unless otherwise provided by the Note purchaser. 
<br />Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual 
<br />litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that 
<br />alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, 
<br />until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements 
<br />of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such 
<br />notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can 
<br />be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration 
<br />and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower 
<br />pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this 
<br />Section 20. 
<br />21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined 
<br />as 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 
<br />laws of the jurisdiction where the Property 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 
<br />otherwise trigger an Environmental Cleanup. 
<br />Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or 
<br />threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do, nor allow anyone else to 
<br />do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an 
<br />Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a 
<br />condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence, 
<br />use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be 
<br />appropriate to 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, lawsuit or other 
<br />action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance 
<br />or Environmental Law of which Borrower has actual knowledge, (b) any Environmental Condition, including but not 
<br />limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any 
<br />NEBRASKA -Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERS 
<br />Page 11 of 13 
<br />IDS, Inc. - 30227 Borrower(s) Initials 4011, 
<br />Form 3028 1/01 
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