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<br />V4 triBCD IAA1i # 5D2f>09G25
<br />14. Loan Charges. Lender may charge Borrowerfees for services performed in connection with Horrower's detautt,
<br />far the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but
<br />not limited to, attorneys' foes, property inspection and valuation flees. In regard to any otherfees, the absencQ of express
<br />authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition vn the
<br />charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument ar by
<br />Applicable Law.
<br />If the Loan is subjectto a lawwhich sets maximum loan charges, and that law is finally interpreted 5o that the interest
<br />ar other Ivan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any
<br />such loan charge shall be reduced by the amount necessary to reduce the charge #o the permitted limit; and {b) any
<br />sums already collected from Borrowerwhich exceeded permitted limitswill be refunded to Borrower. Lender may choose
<br />to make this refund by reducing the principal owed under the Nvte or by making a dlrect paymentto Harrower, K a refund
<br />reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not
<br />a prepayment charge is provided for under the Note), Borrower's acceptance of any such refund made by dlrect
<br />paymentto Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge.
<br />16. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing.
<br />Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when
<br />mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any
<br />one Borrower shall constitute notice tv 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 />Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure far reporting
<br />Borrower's change of address, then Horrnwer shall only report a change of address through that specified procedure.
<br />There may be only one designated notice address under this Security Instrument at any onetime. Any notice to Lender
<br />shall be given by delivering it ar by mailing it by first class mail to Lender's address stated herein unless Lender has
<br />designated another address by Halite to Horrawer, Any notice in connection with this Security Instrument shall not be
<br />deemed to have been given to Lender until actually received by Lender. If any notice required by this Security instrument
<br />is also required underApplicable Law, the Applicable Law requirarnentw~il satisfy the corresponding requirement under
<br />this Security Instrument.
<br />16. Governing Law; 8avorabillty; Rules of Construction. This Security Instrument shall be governed by federal
<br />law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security
<br />Instrument are subject to any requirements and limitations ofAppfitable Law. Applicable Law mi$htexplicitly or implicitly
<br />allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against
<br />agreement by contract. In the event that any provision or clause of this Security instrument or the Note conflicts with
<br />Applicable Law, such conflict shall Hat 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 Instrument: (a) wards ofthe 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; and
<br />(c) the word "may" gives sole discretion without any obligation to take any action.
<br />17. Borrower's Gopy. Borrower shall be given one copy of the Note and of this Security Instrument.
<br />18. Transfer of the property or a t3enefllclal 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 Hat limited ta, those beneficial interests
<br />transfen'ed in a band far deed, contract far deed, installment sales contract or escrow agreement, the intent of which
<br />is the transfer of title by Bonawer at a future date to a purchaser.
<br />If all ar any part of the Property or any Interest in the Property is sold ar transferred (or if Borrower is not a natural
<br />person and a beneficial interest in Borrower is sold or transferred) without Lender's prier 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 if such exercise is prohibited by Applicable Law.
<br />If Lender 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 Hvrrawer must pay
<br />all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period,
<br />Lender may invoke any remedies permitted by this Security Instrument without further Halite or demand on Harrower.
<br />19. Borrower's Right to Reinstate After Acceieratlon. If Borrower meets certain conditions, Borrower shall have
<br />the right to have enforcement of this Security Instrument discontinued at any #ime 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
<br />as Applicable Law mightspeclfyforthetermination of Borrower's rightto reinstate; or (c) entry of a Judgment enforcing
<br />this Security Instrument. Those condiflons are that Borrower: (a} pays Lender all sums which then would be due under
<br />this Security Instrument and the NotQ as if nv acceleration had occurred; (b) cures any default of any ether covenants
<br />or agreements; {c) pays all expenses incurred in enforcing this Security Instrument, Including, but not limited to,
<br />reasonable attameys'tees, property inspection and valuation fees, and otherfees Incurred for the purpose of protecting
<br />Lender's Interest in the Property and rights under this Security Instrument; and {d) takes such action as Lender may
<br />reasonably 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 may
<br />require that Bon'ower pay such reinstatement sums and expenses in one or more of the following forms, as selected
<br />by Lender: (a) cash; (b) money order; (c) cartfied check, bank check, treasurer's check or cashier's check, provided
<br />any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity;
<br />ar (d) Electronic t~unds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured
<br />hereby shall remain fully effective as if no acceleration had occurred, Havrever, this right to reinstate shall Hat apply in
<br />the case of acceleration under Section 18.
<br />20. Sale of Note; Change of Loan $errricer; Notice of Grievanae. The Note or a partial interest in the Noto
<br />(together with this Security Instrument) can be sold one or more times without prior notice to Horrower. A sale might
<br />resul# in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Nate and
<br />this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security
<br />Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of
<br />the Nvte. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state
<br />the name and address of the new Loan Servicer, the address to which payments should ba made and any other
<br />NEBRASKA-Single Family--Fannie Mae/Fraddle Mao UNIFt)RM INSTRUMENT Bonn Sb2a 1/01 initials ~ ~~
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