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202405103
<br />If Lender exercises this option, Lender will give Borrower notice of acceleration. The notice will provide a period of
<br />not Tess than 30 days from the date the notice is given in accordance with Section 16 within which Borrower must pay
<br />all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to, or upon, the expiration of
<br />this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on
<br />Borrower and will be entitled to collect all expenses incurred in pursuing such remedies, including, but not limited to: (a)
<br />reasonable attorneys' fees and costs; (b) property inspection and valuation fees; and (c) other fees incurred to protect
<br />Lender's Interest in the Property and/or rights under this Security Instrument.
<br />20. Borrower's Right to Reinstate the Loan after Acceleration. If Borrower meets certain conditions, Borrower will
<br />have the right to reinstate the Loan and have enforcement of this Security Instrument discontinued at any time up to the
<br />later of (a) five days before any foreclosure sale of the Property, or (b) such other period as Applicable Law might
<br />specify for the termination of Borrower's right to reinstate. This right to reinstate will not apply in the case of
<br />acceleration under Section 19.
<br />To reinstate the Loan, Borrower must satisfy all of the following conditions: (ea) pay Lender all sums that then
<br />would be due under this Security Instrument and the Note as if no acceleration had occurred; (bb) cure any Default of
<br />any other covenants or agreements under this Security Instrument or the Note; (cc) pay all expenses incurred in
<br />enforcing this Security Instrument or the Note, including, but not limited to: (i) reasonable attorneys' fees and costs; (ii)
<br />property inspection and valuation fees; and (iii) other fees incurred to protect Lender's interest in the Property and/or
<br />rights under this Security Instrument or the Note; and (dd) take such action as Lender may reasonably require to assure
<br />that Lender's interest in the Property and/or rights under this Security Instrument or the Note, and Borrower's obligation
<br />to pay 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 the following
<br />forms, as selected by Lender: (aaa) cash; (bbb) money order; (ccc) certified check, bank check, treasurer's check, or
<br />cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a U.S. federal
<br />agency, instrumentality, or entity; or (ddd) Electronic Fund Transfer. Upon Borrower's reinstatement of the Loan, this
<br />Security Instrument and obligations secured by this Security Instrument will remain fully effective as if no acceleration
<br />had occurred.
<br />21. Sale of Note. The Note or a partial interest in the Note, together with this Security Instrument, may be sold or
<br />otherwise transferred one or more times. Upon such a sale or other transfer, all of Lender's rights and obligations
<br />under this Security Instrument will convey to Lender's successors and assigns.
<br />22. Loan Servicer. Lender may take any action permitted under this Security Instrument through the Loan
<br />Servicer or another authorized representative, such as a sub-servicer. Borrower understands that the Loan Servicer or
<br />other authorized representative of Lender has the right and authority to take any such action.
<br />The Loan Servicer may change one or more times during the term of the Note. The Loan Servicer may or may not
<br />be the holder of the Note. The Loan Servicer has the right and authority to: (a) collect Periodic Payments and any other
<br />amounts due under the Note and this Security Instrument; (b) perform any other mortgage loan servicing obligations;
<br />and (c) exercise any rights under the Note, this Security Instrument, and Applicable Law on behalf of Lender. If there is
<br />a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and
<br />address of the new Loan Servicer, the address to which payments should be made, and any other information RESPA
<br />requires in connection with a notice of transfer of servicing.
<br />23. Notice of Grievance. Until Borrower or Lender has notified the other party (in accordance with Section 16) of
<br />an alleged breach and afforded the other party a reasonable period after the giving of such notice to take corrective
<br />action, neither Borrower nor Lender may commence, join, or be joined to any judicial action (either as an individual
<br />litigant or a member of a class) that (a) arises from the other party's actions pursuant to this Security Instrument or the
<br />Note, or (b) alleges that the other party has breached any provision of this Security Instrument or the Note. If
<br />Applicable Law provides a time period that must elapse before certain action can be taken, that time period will be
<br />deemed to be reasonable for purposes of this Section 23. The notice of Default given to Borrower pursuant to Section
<br />26(a) and the notice of acceleration given to Borrower pursuant to Section 19 will be deemed to satisfy the notice and
<br />opportunity to take corrective action provisions of this Section 23.
<br />24. Hazardous Substances.
<br />(a) Definitions. As used in this Section 24: (i) "Environmental Law" means any Applicable Laws where the
<br />Property is located that relate to health, safety, or environmental protection; (ii) "Hazardous Substances" include (A)
<br />those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law, and (8) the
<br />following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides,
<br />volatile solvents, materials containing asbestos or formaldehyde, corrosive materials or agents, and radioactive
<br />materials; (iii) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in
<br />Environmental Law; and (iv) an "Environmental Condition" means a condition that can cause, contribute to, or otherwise
<br />trigger an Environmental Cleanup.
<br />(b) Restrictions on Use of Hazardous Substances. Borrower will not cause or permit the presence, use, disposal,
<br />storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the
<br />Property. Borrower will not do, nor allow anyone else to do, anything affecting the Property that: (i) violates
<br />Environmental Law; (ii) creates an Environmental Condition; or (iii) due to the presence, use, or release of a Hazardous
<br />Substance, creates a condition that adversely affects or could adversely affect the value of the Property. The preceding
<br />two sentences will not apply to the presence, use, or storage on the Property of small quantities of Hazardous
<br />Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the
<br />Property (including, but not limited to, hazardous substances in consumer products).
<br />(c) Notices; Remedial Actions. Borrower will promptly give Lender written notice of: (I) any investigation, claim,
<br />demand, lawsuit, or other action by any governmental or regulatory agency or private party involving the Property and
<br />any Hazardous Substance or Environmental Law of which Borrower has actual knowledge; (ii) any Environmental
<br />NEBRASKA-Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 07/2021
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