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<br />already collec1e1110 n Borrower which excaded permitted limits will be refunded to Burrower Lender maychalscto make
<br />this refund by reduoing the principal owed under the Note al by making a direct payment to RorrOwer. If a reund redacts
<br />principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether of nut a prepayment
<br />charge is provided firunder the NOte). Borrower's,ec- Prance O[any such rehmd made by direct payment to Borrower will
<br />constitute a waiver of any right of action Borrower might have arising out of such overcharge.
<br />15. Notices. All notices given by Borrower or I.cuder in connection with this Security Instrument must be in
<br />writing. Any notice to Itorrowet in connection , lh this Security butmment shall be deemed to have been given in BOT owcr
<br />when mailed by fast class mail or when actually delivered to Borrower's notice address fiscal by other means. Notice to any
<br />one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice
<br />address shall be the Property Address unless Burrower has designated a substitute notice address by notice to Lender.
<br />Bonower shall prom notify Lender of Bonrower's change of address. If Lender specifies a procedure for reporting
<br />Borrower's change of address, then Borrower shall onlXy report a change of address through that specified pmecdure. There
<br />may be on] y one des ign must notice address trader this JCCU, 'Ity Instrument at any one time Any notice to Lender shall be
<br />given by delivering it or by mat Ping it by fast class mail to Lender's address stated her unless Lender hits designated
<br />another address hynolice to Borrower. Any notice in connection with this Security Instrument shall not he deemed to have
<br />been given to Lender until actually recetvcd by Lender. If any notice required by this Sccor Iy Instrument is also r n ixlu act der
<br />un Appl lcable� Law, the Applicable Law I'cq uit out v it will satisfy the cut espondi n Tell moment under this S Count 'try
<br />Instrument.
<br />16. Governing Law; Severthility' Rules of Construction. This Security Instrument shall be governed by
<br />federal law and the law of the jurisdiction in which the Property is located. All rights and ohbga ions contained in this
<br />Secarity Instrument are subject to any requirements and limitations of Applicable Law, Applicable Law might explicitly or
<br />implicitly allow the parties to agree by contractor it might be silent, but such silence shall not be construed as a prohibition
<br />against agreement by conhncu In the even[ that any provision or clause of this Secui fly Instrument or the Note caallick with
<br />Applicable Iuw. such conflict shall not affect tither provisions of this Secunly Inds ument of the Note which can be given
<br />cl feel without the conflict l ng provlsi on
<br />As used in this Security Insn'ument (a) words of the masculine gender shall mean and include corresponding neuter
<br />words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa, acidic) the
<br />word may gives sole discretion without any obligation to take any action.
<br />17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Swunty Instrument.
<br />18. Transfer fthe Properly or a Beneficial Interest in Bovrowar. As used in this Section 18. "Interest in the
<br />Property" means any legal or hencilcial interest in the Property, including, but not limited to those beneficial interests
<br />transferred in a bond for deed, contract for deed, installmentsales contractor escrow agreement, the intentof which is the
<br />it of title by Borrower at a furore date to a purchaser.
<br />If all ur any part of the Property or any Interest in the Property is sold car 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 immedime payment ,n full of all Sum "Cured by this Security Irish Treat However, this option shall net be
<br />exercised by I ender such Coact dse is prohibIled by Applicable Law.
<br />If Lender exercises lh is opt ion, Tender steal l give B or rower notice ofrecelei a [ion. The notice shall provide a pert(.]
<br />of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all
<br />sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Leader
<br />may invoke any remedies permitted by this Security Instrument without further notice or demand on Bonower.
<br />19. Borrower's Right to Reinstate After Acceleration. if Burrower mteIS certain conditions, Borrower shall
<br />have the right to have enforcement of this Security Instrument discontinued at any time III for to the Curliest of. (a) IT ve days
<br />before sale of the Property pursuant to any power of sale contained in this Security Instrument (b) Such ether period as
<br />App licab le Law might specify for the termination of Borrower's right toI'tastase; or (c) entry of a judgment ction c no this
<br />Security Instramen t. Those conditions are that Bonower: (a) pays Lender all sums which then would be due under this
<br />Security Instrument and the Note as it no acceleration had occurred; (b) cures any default of any other covenants or
<br />agreements; (c) pays all expenses incurred
<br />in enforcing this Security [Monument, including, but not limited lo, reasonable attorneys' fees, property inspection and
<br />valuattnn fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and lights under this
<br />Security Instrumenli and (d) lakes such action as Lender may reasonably require to assure that Lender's interest in the
<br />Property and rights under this Security Instrument, and Borrower's obligation to pay, the Sums secured by this Security
<br />Instrument, shall continue unchanged. Lender may require shut Borrower pay such reinstatement sums and expenses alone
<br />ca note of the following loons, as selected by Lender (a) cash; (h) money order. (c) certified check, bank check, Measurer's
<br />check or cashier's check, provided any such cheek is drawn upon an institution whose deposits are miscued by a federal
<br />agency, instrumentality or entity or (d) Electionic Funds Transfer Upon Minstadement by Borrower, this Security
<br />Instrument and obligations secured herebyshall remain fully eftcctive as if no accele,'ation hud wcuned. However, this right
<br />to reinstate shall not apply in the case of acceleration under Section I S. _
<br />20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest to the Note
<br />(together with this Security Instrument) con be sold one or more times without prior notice to But A sale migh tresult
<br />to a change in the entity (knew, It as the "Loan Servicef') that collects Periodic Payments due under the Note and this Security
<br />Instrument and pet forms other mortgage loan servicing obligations under the Note, this Security Inurement, and Applicable
<br />Law. There also might be one or more changes of the Loan Serviccr unrelated to a sale of the Note. Ifthere is a change of
<br />the roan Services. Borrower will he given written notice of the change which will state the n, me and address of the new
<br />Luau Serv,cer, the udd,ess to which payments should be made and airy other information RESPA requires in cunnecnon with
<br />a notice of transfer of servicing. It the Note is sold and thereafter the I Man is se,'viced by a Loan Sci vlcer usher than me
<br />purchaser of the Note, the mortgage loan servicing obligations Co Borrower will remain with the Loan .S'el' \ricer or be
<br />transferred to a successor Loan Service, and are not assumed by the Note purchaser unless otherwise provided by the Nine
<br />purchaser
<br />Neither Borrower oar 1 coder may commence. jinn ur be joined to any judici;J action (as either an ,ndrvidunl
<br />litigant or the member of a class) That al rocs it the uthe, party s actions pursuant to this Scctu,ty Inste
<br />rumnt o, th l alleges
<br />that the other party has breached any provision of, or any duty owed by nor of, this Security Instrument, until such
<br />Borrower or Lender has notified the other party(w ith such notice given in compliance ccith the requuements ufScction 15)
<br />Of such alleged breach and afforded the Other party hereto a reasonable period after the giving of such notice to take
<br />corrective action. If Applicable Law provides a time period which mull elapse before certain action can be taken, that time
<br />period will be deemed to be reasonable for purposes of this paragraph. The nutice of acceleration and upportunlgto cure
<br />given to Bell cover pursuant to Section 22 and the notice of avecal andin used 10 Bonower pnrsunnf to Section 18 shall be
<br />deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20.
<br />21. Hazardous Substances. As used in this Suction 21: (a) "llasarduus Substances' are those substances
<br />defined as toxic or hazardous substances, pollutants, or wastes by Factor mental Law and the fit lowing substances: gasul Inc,
<br />kerosene, other Flammable nr toxic petroleum pmdaets, toxic pesticides and herbicides, volatile solvents. materials
<br />nnlningasbetos or faninldehvde .ard radmamrvematenal,, (b) "Envimomenwl Law" means federal lawsandlawsof
<br />thejurudici in,heretheP1opery,sIV,UL,dulat , chic,0health. safetyoi environmental pruleu,on, (c)' Linsliournictual
<br />Cleanup includes any response action, remedml action, or removal action, as defined in Environmental Law; and (d) an
<br />"I Min onmenlal Condition" means a condition that can cause, contribute to, or otherwise trigger an Bnvirolaccum l Cleanup.
<br />NEBRASKA -il.,& family— I NalsFooddla Mac UNIFORM iNSTRUML'N'f FunnJaAa 1101 6q(8pagnV
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