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202401809
<br />LOAN #: 251643
<br />Note; and (dd) take such action as Lender may reasonably require to assure that Lender's interest in
<br />the Property and/or rights under this Security Instrument or the Note, and Borrower's obligation to pay
<br />the sums secured by this Security Instrument or the Note, will continue unchanged.
<br />Lender may require that Borrower pay such reinstatement sums and expenses in one or more of
<br />the following forms, as selected by Lender: (aaa) cash; (bbb) money order; (ccc) certified check, bank
<br />check, treasurer's check, or cashier's check, provided any such check is drawn upon an institution whose
<br />deposits are insured by a U.S. federal agency, instrumentality, or entity; or (ddd) Electronic Fund Transfer.
<br />Upon Borrower's reinstatement of the Loan, this Security Instrument and obligations secured by this
<br />Security Instrument will remain fully effective as if no acceleration had occurred.
<br />20. Sale of Note. The Note or a partial interest in the Note, together with this Security Instrument,
<br />may be sold or otherwise transferred one or more times. Upon such a sale or other transfer, all of Lender's
<br />rights and obligations under this Security Instrument will convey to Lender's successors and assigns.
<br />21. Loan Servicer. Lender may take any action permitted under this Security Instrument through
<br />the Loan Servicer or another authorized representative, such as a sub -servicer. Borrower understands
<br />that the Loan Servicer or other authorized representative of Lender has the right and authority to take
<br />any such action.
<br />The Loan Servicer may change one or more times during the term of the Note. The Loan Servicer
<br />may or may not be the holder of the Note. The Loan Servicer has the right and authority to: (a) collect
<br />Periodic Payments and any other amounts due under the Note and this Security Instrument; (b) perform
<br />any other mortgage loan servicing obligations; and (c) exercise any rights under the Note, this Security
<br />Instrument, and Applicable Law on behalf of Lender. If there is a change of the Loan Servicer, Borrower
<br />will be given written notice of the change which will state the name and address of the new Loan Ser-
<br />vicer, the address to which payments should be made, and any other information RESPA requires in
<br />connection with a notice of transfer of servicing.
<br />22. Notice of Grievance. Until Borrower or Lender has notified the other party (in accordance with
<br />Section 15) of an alleged breach and afforded the other party a reasonable period after the giving of
<br />such notice to take corrective action, neither Borrower nor Lender may commence, join, or be joined to
<br />any judicial action (either as an individual litigant or a member of a class) that (a) arises from the other
<br />party's actions pursuant to this Security Instrument or the Note, or (b) alleges that the other party has
<br />breached any provision of this Security Instrument or the Note. If Applicable Law provides a time period
<br />that must elapse before certain action can be taken, that time period will be deemed to be reasonable
<br />for purposes of this Section 22. The notice of Default given to Borrower pursuant to Section 26(a) and
<br />the notice of acceleration given to Borrower pursuant to Section 18 will be deemed to satisfy the notice
<br />and opportunity to take corrective action provisions of this Section 22.
<br />23. Hazardous Substances.
<br />(a) Definitions. As used in this Section 23: (i) "Environmental Law" means any Applicable Laws where
<br />the Property is located that relate to health, safety, or environmental protection; (ii) "Hazardous Substances"
<br />include (A) those substances defined as toxic or hazardous substances, pollutants, or wastes by Environ-
<br />mental Law, and (B) the following substances: gasoline, kerosene, other flammable or toxic petroleum prod-
<br />ucts, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, cor-
<br />rosive materials or agents, and radioactive materials; (iii) "Environmental Cleanup" includes any response
<br />action, remedial action, or removal action, as defined in Environmental Law; and (iv) an "Environmental
<br />Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup.
<br />(b) Restrictions on Use of Hazardous Substances. Borrower will not cause or permit the presence,
<br />use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous
<br />Substances, on or in the Property. Borrower will not do, nor allow anyone else to do, anything affecting
<br />the Property that: (i) violates Environmental Law; (ii) creates an Environmental Condition; or (iii) due to
<br />the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects or
<br />could adversely affect the value of the Property. The preceding two sentences will not apply to the pres-
<br />ence, use, or storage on the Property of small quantities of Hazardous Substances that are generally
<br />recognized to be appropriate to normal residential uses and to maintenance of the Property (including,
<br />but not limited to, hazardous substances in consumer products).
<br />(c) Notices; Remedial Actions. Borrower will promptly give Lender written notice of: (i) any inves-
<br />tigation, claim, demand, lawsuit, or other action by any governmental or regulatory agency or private
<br />party involving the Property and any Hazardous Substance or Environmental Law of which Borrower
<br />has actual knowledge; (ii) any Environmental Condition, including but not limited to, any spilling, leaking,
<br />discharge, release, or threat of release of any Hazardous Substance; and (iii) any condition caused by
<br />the presence, use, or release of a Hazardous Substance that adversely affects the value of the Property.
<br />If Borrower learns, or is notified by any governmental or regulatory authority or any private party, that any
<br />removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower
<br />will promptly take all necessary remedial actions in accordance with Environmental Law. Nothing in this
<br />Security Instrument will create any obligation on Lender for an Environmental Cleanup.
<br />NEBRASKA—Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3028 07/2021 (rev. 7/23)
<br />Modified for FHA 1/2023 (HUD Handbook 4000.1)
<br />ICE Mortgage Technology, Inc. Page 12 of 14 NEEFHA23DE 0823
<br />NEEDEED (CLS)
<br />04/24/2024 07:46 AM PST
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