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<br />already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender maychanse m make
<br />this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces
<br />principal, the reduction will be heated as a partial prepayment without any pre charge (whether or not prepayment
<br />charge is provided for under the Note). Borrower's acceptance of any such refund made bydirect 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 Burrower or Lender in connection with this Security Instrument most be in
<br />writing. Any notice to Borrower in connection with this Security Instrument shall be deemed in have been given toBovower
<br />when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice m any
<br />one Burrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice
<br />address shall he the Property Address unless Borrower has designated a substitute notice address by notice to Lender.
<br />Borrowee shall t romotly notifv Lender of Borrower's change of address. if Lender specifies a procedure for reporting
<br />by mailing it by first class mail to lender's address stated herein unless Lender has designated
<br />e to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have
<br />til actually received by lender. if any notice required by this Security Instrument is also required
<br />the Applicable Law requirement will sausty the corresponding requirement under this Security
<br />16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be
<br />federal law and the law of the jurisdiction in which the Property is located. All rights and obligations con
<br />Seeuritylnstmment are subject m any requirements and limitations of Applicable Law. Applicable Law migh
<br />implicitly allow the parties to agree by contract or it might be silent, but such silence shall not he construed as
<br />or the Nolc which can he given
<br />As used inefe SecurityIne;(b) (a) words of the masculine gender shall mean and include corresponding and neuter
<br />words or words es the feminine gender (b) words in the singular shall mean and include the plural and vice versa; and (c) the
<br />word "may" gives sole is Copy. without any obligation
<br />given m take any action.
<br />17. Borrower's he Pr Borrower shall he given one copy of ro Note andsed in Security Instrument
<br />, "Into
<br />18. means any legal or ore Beneficial Property, in Borrower. As used
<br />hunted to, Section lneficil intrests
<br />Property' means any legal d beneficial interest in the Property, including, but not agreed en those beneficial interests
<br />transferred in x hued for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the
<br />transfer of title by Borrower at a furore date to a purchaser.
<br />If all or anypartofthe Propertyor anyInterest in the Propertyis sold ofnder's rted written t, no(anatural
<br />person and a beneficial interest in Borrower is sold or tranxfcrtcd) without lender's prior written consent, Lender may
<br />require immediate pa ment in full of all sums secured by this Security Instrument. However, this option shall not be
<br />exercised by lender iY such exercise is prohibited by Applicable law.
<br />If ]ender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period
<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 m pay these sums prior to the expiration of this period, lender
<br />may invoke anv remedies nermined by this Security Instrument without further notice or demand on Borrower.
<br />before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as
<br />Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of ajudgment enforcing this
<br />Instrument. Insment. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this
<br />Security Instrument and the Note as if 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 Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and
<br />valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this
<br />Security Instrument; and (d) takes 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 that Borrower pay such reinstatement sums and expenses none
<br />or more of the following forms, as selected by Lender: (a) cash; (b) moneyordei; (e) certified check, bank check, treasurer's
<br />check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal
<br />agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security
<br />Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right
<br />to reinstate shall not apply in the case of acceleration under Section 18.
<br />20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note
<br />(together with this Security Instrument) can he sold one or more times without prior notice to Borrower. A sale ntightresuk
<br />in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and this Security
<br />Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable
<br />Law. There also might be one or more changes of the an Servicer unrelated to a sale of the Note. If there is a change of
<br />the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new
<br />Iran Servicer, the address to which payments should be made and any other information RESPArequires in connection with
<br />a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Luan Servicer other than the
<br />purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the lean Servicer or be
<br />transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note
<br />purchaser.
<br />Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual
<br />litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument of that alleges
<br />that the other party has breached any provision of, or any duty owed by reason of, this Security instrument, until such
<br />Borrower or lender has notified the other party (with such notice given in compliance with me requirements of Section 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 must elapse before certain action can be taken, that time
<br />period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity m cure
<br />given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be
<br />21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances
<br />defined as toxic or hazardous substances, pollutants, or wastes by Environmental law and the following substances: gasoline,
<br />kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials
<br />containing asbestos or formaldehyde, and radioactive materials; (()'Environmental Law" means federal laws and laws of
<br />the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental
<br />Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental law; and (d) an
<br />"Environmental Condition" means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup.
<br />NEBRASKA - Single Family- Fannie Mae/Freddie Mae UNIFORM INSTRUMENT F'orm3028 1/01 (pai,e6ofdpagea)
<br />9754 CV(Iro2) G11851
<br />GOTO(CW2d2le
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