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<br />14. Loan Charges. Lender may charge Borrowerfees far services performed in connection with Borrower's default,
<br />far the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but
<br />oat limited to, attorneys' fees, property inspection and valuation fees, In regard to any other fees, the absence of express
<br />authority in this Security Instrument to charge a specific fee to Harrower shall not be construed as a prohibition nn the
<br />charging of such fee. tender may not charge fees that are expressly prohibited by this Security Instrument ar by
<br />Applicable Law.
<br />Iftha Lnan is subjectto a lawwhich sets maximum loan charges, and that law is finally interpreted so that the interest
<br />nr other loan 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 to the permitted limit; and (b) any
<br />sums already collected from Borrowerwhich exceeded permitted limits will be refunded to Borrower. Lender may choose
<br />to make this refund by reducing the principal owed underthe Note or by making a direct paymentto Borrower. If 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 direct
<br />payment to Borrower will constitute a waiver of any right of action Harrower might have arising out of such overcharge.
<br />15. Notices. All notices given by Borrower or Lender in cannection with this Security Instrument must be in writing.
<br />Any notice to Bnrrnwerin cannection with this Security Instrument shall be deemed to have been given to Borrower when
<br />mailed by first class mail nr when actually delivered to Borrower's notice address if sent by other means. Notice to any
<br />one Harrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice
<br />address shall bathe 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 for reporting
<br />Borrower's change of address, then Borrower 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 one time. Any notice to Lender
<br />shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has
<br />designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be
<br />deemed to have been given to Lender until actually received by lender. {f any notice required by this Security Instrument
<br />is also required under Applicable Law, the Applicable Law requirementwillaatisfy the corresponding requirement under
<br />this Security Instrument.
<br />16. Governing Law; Severability; Ruiea of Construction. This Security Instrumant shall be governed by federal
<br />law and the law of the jurisdiction in which the Property is located. All rights and abligatinns contained in this Security
<br />Instrument are subjectto any requirements and limitations afApplicable Law. Applicable Law might explicitly or implicitly
<br />allowthe 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 ar clause of this Security Instrument or the Nate conflicts with
<br />Applicable Law, such conflictshail notaffectotherpravisinns ofthis Security Instrument orthe Note which can be given
<br />effect without the conflicting provision.
<br />As used in this Security Instrument: (a) wards afthe masculine gender shall mean and include corresponding neuter
<br />words nr 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 Copy. Borrower shall be given one copy of the Nate and of this Security Instrument.
<br />18. Transfer of the Property ar a Beneficial interest In garrower. 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 fvr deed, contract for deed, installment sales contract or escrow agreement, the intent of which
<br />is the transfer of title by Btarrnwer at a future date to a purchaser.
<br />If al! or any part of the Property ar any Interest in the Property is Bald 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 fiull of all sums secured by this Security Instrument. However, this option shall oat 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 oat less than 3p days from the date the notice is given in accordance with Section 15 within which Borrower must pay
<br />all sums secured by this Security Instrument. if Borrower fails to pay these sums prior to the expiratien of this period,
<br />Lender may invoke any remedies permitted by this Security instrument without further notice nr demand on Borrower.
<br />19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have
<br />the right to have enforcement of this Security Instrumant discontinued at any time prior to the earliest of: (a) five days
<br />before sale of the Property pursuant to any paver of sale contained in this Security Instrument; (b) such ether period
<br />as Applicable law might specify far the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing
<br />this Security Instrument. Those conditions are that Harrower: (a) pays Lender all sums which then would be due under
<br />this Security Instrument and the Note as if ne acceleration had occurred; (b) cures any default of any other covenants
<br />or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to,
<br />reasonable attorneys' fees, property inspection and valuation fees, and atherfees 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 Prop®rty and rights under this Security Instrument, and
<br />Borrower's obligation to pay the sums secured by this Senurity Instrument, steal! continue unchanged. Lender may
<br />require that Borrower pay such reinstatement sums and expanses in one or more of the following forms, as selected
<br />by Lender: (a) cash; (b) money order; (c) certified check, bank. check, treasurer's check ar 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 />or (d) Electronic Funds Transfer. Upon reinstatement by Hnrrawer, this Security Instrument and obligations secured
<br />hereby shall remain fully effective as if no acceleration had occurred. However, this rightto reinstate shall not apply in
<br />the case of acceleration under Section 18.
<br />20. Sale of Nate; Change of Loan S®rvicer; Notice of Grievance. The Note or a partial interest in the Note
<br />(together with this Security Instrument) can be sold one nr mare tim®s without prier notice to Borrower. A sale might
<br />result in a change in the entity (known as the "Laan Servicer") that collects Periodic Payments due under the Nate and
<br />this Security Instrument and performs other mortgage loan servicing obligations under the Nate, this Security
<br />Instrument, and Applicable Law. There also might be one or more changes of the Laan Servicer unrelated to a sale of
<br />the Note. If there is a change of the Loan Servicer, Borrower wilt 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 be made and any ther
<br />NEBRASKA-Single Family-Fannie Mae/Freddie Nlac UNIFORM INSTRUMENT Farm 3oz81/01 Initials
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