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aane�` 200214012
<br />200214186
<br />already collected from Borrower which cxcexded permitted limits will be mfunded to Burrower. Lender may choose to make
<br />this re Rind by reducing the prtncipaI owed under the Note or by making a direct payment to Borrower Ifa refund reduces
<br />principal, the reduction will be treated as a par tial piepayinent without any in eloyment charge (whether or not a prepayment
<br />charge is provided for under the Note)- Borrower's acceptance orally such refund made by direct payment to Borrower will
<br />constitute a waiver of any right of action Burrower might have arising out of such overcharge.
<br />15. Notices. All notices given by Borrower or Lender in connection with this Security hishument must be in
<br />writing. Anytonice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower
<br />when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other meats. 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 Borrower has designated a substitute notice address by notice to Lender.
<br />Borrowershall prompptly notify Iender of Borrower's change of address. If Lender specifies a procedure for reporting
<br />Borrower's change ofdddress, then Borrower shall only report a change ofack ress through that specified procedure. There
<br />may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be
<br />given by delivering it or by ... aihog it by first class mail to Lender's address stated herein unless Lender has designated
<br />anotheraddressbylmticeto Borrower. Any notice in connceton with this Security Instrument shall not he deemed to have
<br />been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required
<br />under Applicable Law, the Applicable Law regmrcrocnl will satisfy the corresponding requirement under this Security
<br />Instrument.
<br />16. Governing Law; Severability; Rules of Cnnelruction. This Security Instrument shall be governed by
<br />federal law and the law of tliejurisdiction in which the Property is located. All rights and obligations contained in this
<br />Security Instrument are subject to any requirements and limitations ofApplicable Law. Applicable Law might explicitlyor
<br />implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition
<br />against agreement by contract. In the event that any provision or clause ofthis Security Instrument or the Note conflicts with
<br />Applicable Law, such conflict shall nut affect other provisions of this Security Instrument or the Note which can be given
<br />effect without the conflicting provision.
<br />As used in this Security Instrameld (a) words .fthe masculine gender shall mean and include corresponding neuter
<br />words or words ofthe feminine gender, (b) words in the singular sha II mean and include the plural and vice versa; and (c) the
<br />word "stay' 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 ofthis Security Instrument,
<br />18. Transfer of the Property or a Bcnefieial Interest in Borrower. As used in this Section 18, "Interest in the
<br />Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests
<br />transferred in a bond for deed, contract for decd, installment sales contract or escrow agreement, the intent ofwhich is the
<br />transfer crude by Borrower at a future date to a purchaser.
<br />If all or any part ofthe Property or any Interest in the Properly 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, this option shall not be
<br />exercised by Lender ifsuch exercise is prohibited by Applicable Law.
<br />If Lender exercises this option, Lender shall give Borrower notice ofaccelomtion. The notice shall provide spelled
<br />.fact 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 tails to pay these sums prior to the expiration ofthis period, I ender
<br />may invoke any remedies permitted by this Security Instrument without fiuthei notice or demand on Borrower.
<br />19. Borrower's Right to R einstate After Acceleration. If Borrower meets certain conditions, Borrower shall
<br />have the right to have enforcement of this Security Instrtnnent discontinued at any tune prior to the earliest of (a) five days
<br />before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as
<br />Applicable Lao might spec ity for the le ...... union of Borrower's right to reinstate; or (e) entry of ajudgment enforcing this
<br />Security Instrument. Those conditions are that Borrower. (a) pays Lender all sums which then would be due under this
<br />Security Instrument and the Note as Boo 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 pioneering lender's interest in the Propertyand 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 rigghis under this Secants Instrument, and Borrower's obligation to pay the sums secured by this Security
<br />hromnlentI stroll continue unchanged. Leach, ..noyrequirethnt Borrower pay such reinstatement sums and expenses inane
<br />or more ofthe following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's
<br />check To cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a ichnul
<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 Ibis right
<br />to reinstate shall not apply in the case ofacceleration under Section I8.
<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 be sold one or more times without prior notice to Borrower. A sale might result
<br />one
<br />a notice oftmnafer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the
<br />purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or he
<br />transferred to a successor Loan Servicer and ae net asstimed bythe Note purchaser unless otherwise provided by the Note
<br />purchaser.
<br />Neither Borrower nor Lender may commence, join, or be joined to anyjudicial 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 or 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 Leader has notified the other party (with such notice given in compliance with the requirements ofSection 15)
<br />of such alleged breach and aflbrded the other party hereto a reasonable period after the giving of such notice to take
<br />amrcctvc action. If Applicable Law p...me, a time period which must elapse before certain action can betaken, that time
<br />period will be deemed to be reasonable for purpposes ofthis paragraph_ The notice of acceleration and opportunity to cure
<br />given to Borrower pursuant to Section 22 and tlnc notice of acceleration given to Burrower pursuant to Section 18 shall be
<br />deemed to satisfy the notice and opportunity to take corrective action provisions ofthis Section 20,
<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: gawline,
<br />kerosene, other Flammable or toxic petroleum product, toxic pesticides and herbicides, volatile solvents, materials
<br />containing asbestos or formaldehyde, and radioactive materials, (b) "Environmental Law" means federal Taws and Taws of
<br />the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "E.nvironmenrzl
<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 tngger an Environmental Cleanup,
<br />NEBRASKA - Single Family -- Fannie Mae /Freddie Mac l'N I FORM INSTRUMENT Form3028 I /01 fpnge6af8page_r)
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