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19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower
<br />shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the
<br />earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security
<br />Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to
<br />reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower:
<br />(a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no
<br />acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses
<br />incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees,
<br />property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest
<br />in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably
<br />require to assure that Lender's interest in the Property and rights under this Security Instrument, and
<br />Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender
<br />may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms,
<br />as selected by Lender: (a) cash; (b) money order; (c) 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 federal
<br />agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this
<br />Security Instrument and the obligations secured hereby shall remain fully effective as if no acceleration had
<br />occurred. However, this right 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 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
<br />might result in a change in the entity (known as the "Loan Servicer ") that collects Periodic Payments due under
<br />the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note,
<br />this Security Instrument, and Applicable Law. There also may be one or more changes of the Loan Servicer
<br />unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice
<br />of the change which will state the name and address of the new Loan Servicer, the address to which payments
<br />should be made and any other information RESPA requires in connection with a notice of transfer of servicing.
<br />If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note,
<br />the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to
<br />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
<br />individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security
<br />Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason
<br />of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given
<br />in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto
<br />a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time
<br />period which must elapse before certain action can be taken, that time period will be deemed to be reasonable
<br />for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant
<br />to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to
<br />satisfy the notice and opportunity to take corrective action provisions of this 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
<br />substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and
<br />herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b)
<br />"Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate
<br />to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action,
<br />remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition"
<br />means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup.
<br />Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous
<br />Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower shall not do,
<br />nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental Law,
<br />(b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a
<br />Hazardous Substance, creates a condition that adversely affects the value of the Property. The preceding
<br />two sentences shall not apply to the presence, use, or storage on the Property of small quantities of
<br />NEBRASKA -- Single Family -- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 I /01 (page 1(;.2
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