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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
<br /> of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory authority, that
<br /> any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take
<br /> all necessary remedial actions in accordance with Environmental Law.
<br /> As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous substances by
<br /> Environmental Law 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 radioactive materials. As used in �
<br /> this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that �
<br /> 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 �
<br /> of any covenant or agreement in this Security Instrument (but not prior to acceleration under paragraph 17 unless
<br /> applicable law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; � "
<br /> (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and
<br /> (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums N
<br /> secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to
<br /> reinstate after acceleration and the right to bring a court action to assert the non-existence of a default or any other
<br /> defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice,
<br /> Lender, at its option, may require immediate payment in full of all sums secured by this Security Instrument without
<br /> further demand and may invoke the power of sale and any other remedies permitted by applicable law. Lender shall be
<br /> entitled to collect all expenses incurred in pursuing tbe remedies provided in this paragraph 21, including, but not limited
<br /> 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
<br /> Property is located and shall mail copies of such notice in the manner prescribed by applicable law to Borrower and to
<br /> the other persons prescribed by applicable law. After the time required by applicable law, Trustee shall give public notice
<br /> of sale to the persons and in the manner prescribed by applicable law. Trustee, without demand on Borrower, shall sell
<br /> the Property at public auction to the highest bidder at the time and place and under the terms designated in the notice of
<br /> sale in one or more parcels and in any order Trustee determines. Trustee may postpone sale of all or any parcel of the
<br /> Property by public announcement at the time and place of any previously scheduled sale. Lender or its designee may
<br /> purchase the Property at any sale.
<br /> _ Upon receipt of payment of th� price bid, Trustee shall deliver to the purchaser Trustee's deed conveying the _
<br /> Property. The recitals in the Trustee's deed shall be prima facie evidence of the truth of the statements made therein.
<br /> Trustee shall apply the proceeds of the sale in the following order: (a) to all costs and expenses o#'exercising the power of
<br /> sale, and the sale, including the payment of the Trustee's fees actually incurred, not to exceed��'�f�0.0�Or 1/� %
<br /> of the principal amount of the note at the time of the declaration of default, and reasonable attorneys' fees as permitted
<br /> by law; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to
<br /> it.
<br /> 22. Reconveyance. Upon payment of all sums secured by this Security Instrument, Lender shall request Trustee to
<br /> reconvey the Property and shall surrender this Security Instrument and all notes evidencing debt secured by this Security
<br /> Instrument to Trustee. Trustee shall reconvey the Property without warranty and without charge to the person or persons legally
<br /> entitled to it. Such person or persons shall pay any recordation costs.
<br /> 23. Substitute Trustee. Lender, at its option, may from time to time remove Trustee and appoint a successor trustee to
<br /> any Trustee appointed hereunder by an instrument recorded in the county in which this Securiry Instrument is recorded. Without
<br /> conveyance of the Property, the successor trustee shall succeed to all the title, power and duties conferred upon Trustee herein
<br /> and by applicable law.
<br /> 24. Request for Notices. Borrower requests that copies of the notices of default and sale be sent to Borrower's address
<br /> which is the Property Address.
<br /> 25. Riders to this Security Instrument. If one ar more riders are executed by Borrower and recorded together with this
<br /> Security Instrument, the covenants and agreements of each such rider shall be incorparated into and shall amend and supplement
<br /> the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrument.
<br /> [Check applicable box(es)]
<br /> Ox Adjustable Rate Rider �Condominium Rider � 1-4 Family Rider
<br /> 0 Graduated Payment Rider �Planned Unit Development Rider �Biweekly Payment Rider
<br /> 0 Balloon Rider �Rate Improvement Rider � Second Home Rider
<br /> �V.A. Rider �Other(s) [specify]
<br /> Home Equity Access Line Rider
<br /> BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and
<br /> in any rider(s) executed by Borrower and recorded with it. : �
<br /> Witnesses: �^
<br /> (Seal)
<br /> X R o 1 i n D . K r e u c h i -Borrower
<br /> .� �� �i;� _e�c�/z—c (Seal) ,
<br /> X Nan` y M. KTeuchi -Borrower
<br /> (Seal) � (Seal)
<br /> -Borrower -Borrower
<br /> STATE OF NEBRASKA, County ss: H a 11
<br /> The foregoing instrument was acknowledged before me this 1 7 t h day of A p r i 1 , , 19 9 9 ,
<br /> by Rolin D . and Nancy M. Kreuchi , husband and wife .
<br /> Witness my hand and notarial seal at G r a n d I s 1 a n d , . in said Cou , the date aforesaid.
<br /> , .
<br /> • My Commission Expires: �
<br /> M a y 5 , 2 0 O 1 ry 6ENERAI NOTARC•State of Neb��sk� Publi�
<br /> .
<br /> � IYh�Comm.Exa Nt�HMI
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