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• 202506444
<br />provide notice to Borrower by e-mail or other electronic communication ("Electronic Communication") if: (i) agreed to by
<br />Lender and Borrower in writing; (ii) Borrower has provided Lender with Borrower's e-mail or other electronic address
<br />("Electronic Address"); (iii) Lender provides Borrower with the option to receive notices by first class mail or by other
<br />non -Electronic Communication instead of by Electronic Communication; and (iv) Lender otherwise complies with
<br />Applicable Law. Any notice to Borrower sent by Electronic Communication in connection with this Security Instrument
<br />will be deemed to have been given to Borrower when sent unless Lender becomes aware that such notice is not
<br />delivered. If Lender becomes aware that any notice sent by Electronic Communication is not delivered, Lender will
<br />resend such communication to Borrower by first class mail or by other non -Electronic Communication. Borrower may
<br />withdraw the agreement to receive Electronic Communications from Lender at any time by providing written notice to
<br />Lender of Borrower's withdrawal of such agreement.
<br />(c) Borrower's Notice Address. The address to which Lender will send Borrower notice ("Notice Address") will be
<br />the Property Address unless Borrower has designated a different address by written notice to Lender. If Lender and
<br />Borrower have agreed that notice may be given by Electronic Communication, then Borrower may designate an
<br />Electronic Address as Notice Address. Borrower will promptly notify Lender of Borrower's change of Notice Address,
<br />including any changes to Borrower's Electronic Address if designated as Notice Address. If Lender specifies a
<br />procedure for reporting Borrower's change of Notice Address, then Borrower will report a change of Notice Address
<br />only through that specified procedure.
<br />(d) Notices to Lender. Any notice to Lender will be given by delivering it or by mailing it by first class mail to
<br />Lender's address stated in this Security Instrument unless Lender has designated another address (including an
<br />Electronic Address) by notice to Borrower. Any notice in connection with this Security Instrument will be deemed to
<br />have been given to Lender only when actually received by Lender at Lender's designated address (which may include an
<br />Electronic Address). If any notice to Lender required by this Security Instrument is also required under Applicable Law,
<br />the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument.
<br />(e) Borrower's Physical Address. In addition to the designated Notice Address, Borrower will provide Lender with
<br />the address where Borrower physically resides, if different from the Property Address, and notify Lender whenever this
<br />address changes.
<br />17. Governing Law; Severability; Rules of Construction. This Security Instrument is governed by federal law and
<br />the law of the State of Nebraska. All rights and obligations contained in this Security Instrument are subject to any
<br />requirements and limitations of Applicable Law. If any provision of this Security Instrument or the Note conflicts with
<br />Applicable Law (i) such conflict will not affect other provisions of this Security Instrument or the Note that can be given
<br />effect without the conflicting provision, and (ii) such conflicting provision, to the extent possible, will be considered
<br />modified to comply with Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by
<br />contract or it might be silent, but such silence should not be construed as a prohibition against agreement by contract.
<br />Any action required under this Security Instrument to be made in accordance with Applicable Law is to be made in
<br />accordance with the Applicable Law in effect at the time the action is undertaken.
<br />As used in this Security Instrument: (a) words in the singular will mean and include the plural and vice versa; (b)
<br />the word "may" gives sole discretion without any obligation to take any action; (c) any reference to "Section" in this
<br />document refers to Sections contained in this Security Instrument unless otherwise noted; and (d) the headings and
<br />captions are inserted for convenience of reference and do not define, limit, or describe the scope or intent of this
<br />Security Instrument or any particular Section, paragraph, or provision.
<br />18. Borrower's Copy. One Borrower will be given one copy of the Note and of this Security Instrument.
<br />19. Transfer of the Property or a Beneficial Interest in Borrower. For purposes of this Section 19 only, "Interest in
<br />the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial
<br />interests transferred in a bond for deed, contract for deed, installment sales contract, or escrow agreement, the intent
<br />of which is the transfer of title by Borrower to a purchaser at a future date.
<br />If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural
<br />person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may
<br />require immediate payment in full of all sums secured by this Security Instrument. However, Lender will not exercise
<br />this option if such exercise is prohibited by Applicable Law.
<br />If Lender exercises this option, Lender will give Borrower notice of acceleration. The notice will provide a period of
<br />not less 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: (aa) 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 Lenders 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 />NEBRASKA-Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 07/2021
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