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201005072 Loan Servicer, the address to which payments should be made and any other information RESPA requires in connection with a notice of transfer of servicing. if the Note is sold and thereafter the Loan is serviced b~ a Laan Servicer other than the purchaser of the Nate, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer ar be transferred to a successor Loan Servicer and are not assumed by the Nate purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or beyjoined to any judicial action (as either an individual litigant ar the member of a class) that arises from the other party's actions pursuant to this Security Instrument ar that alleges that the other party has breached any prevision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has natif ed the other party (with such notice given in compliance with the requirements of Section 1 S) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to he reasonable for purposes ofthis paragraph. The notice vfacceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective action provisions ofthis Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition' means a condition that can cause, contribute to, or otherwise triggger an Environmental Cleanup. Borrower shall not cause or permit the presence, use; disposal, storage, or relrrase ofanyHazardpus ~iilistances, or threaten to release any Hazardous Substances, on or in the Preperty. Harrower shall not do, nor allow anyene else to do, anything affecting the Property (a) that is in violation of any Environmental Law, (b) which creates an Environmental Condition, or (c) which, due to the presence, use, or release of a Hazardous Substance, creates a condition that adversely affects the value ofthe Property. The preceding two sentences shall not apply to the presence, use, ar sterage on the Property of small quantities of Hazardous Substances that are general ly recognized to be ap~rapriate to normal residential uses and to maintenance ofthe Pro~erty (including, but not limited to, hazardous substances m consumer products). Borrower she I promptly give Lender written notice of(a) any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the rpperty and any Hazardous Substance or Environmental Law ofwhich Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release ar threat of release of any Hazardous Substance, and (c) any condition caused bythe presence, use or release of a Hazardous Substance which adversely affects the value ofthe Property. IfBorrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Harrower shall promptly take all necessary remedial actions in accordance with Environmental Law. Nothing herein shall create an obligation on Lender for an Environmental Cleanup. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is giveu to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non-existence of a default or any other defense of Borrower to acceleration and sale. if the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, reasonable attorneys' fees and costs of title evidence. if the power of sale is invoked, Trustee shall record a notice of default in each county in which any part of the Property is located and shall mail copies of such notice in the manner prescribed by Applicable><.aw to Borrower and to the other persons prescribed by Applicable Law. After the time required by Applicable Law, Trustee shall give public notice of sale to the persons and in the manner prescribed by Applicable Law. Trustee,without demand on Borrower, shall sell the Property at public auction to the highest bidder at the time and place and under the terms designated in the notice of sale in pne or more parcels and in any order Trustee determines. Trustee may postpone sale of all or any parcel ofthe Property by public announcement at the time and place of any previously scheduled sale. Lender or its designee may purchase the Property at any sale. Upon receipt of payment of the price bid, Trustee shall deliver to the purchaser Trustee's deed conveying the Property. The recitals in the Trustee's deed shall be prima facie evidence of the truth of the statements made therein. Trustee shall apply the proceeds ofthe sale in the following order: (a) to all costs and expenses ofexercising the power of sale, and the sale, including the payment of the Trustee's fees actually incurred and reasonable attorneys' fees as permitted by Applicable Law; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Reconveyance. Upon payment of all sums secured by this Security Instrument, Lender shall request Trustee to re-convey the Property and shall surrender this Security Instrument and all notes evidencing debt secured by this Security Instrument to Trustee. Trustee shall reconvey the Property without wan-arty to the person or persons legally entitled to it. Such person or persons shat l pay any recordation costs. Lender may charge such person or persons a fee for recanveying the Property, but only if the fee is paid to a third party (such as the Trustee) far services rendered and the charging of the fee is permitted under Applicable Law. 24. Substitute Trustee. Lender, at its option, may from time to time remove Trustee and appoint a successor trustee to any Trustee appointed hereunder by an instrument recorded in the county in which this Security Instrument is recorded. Without conveyance ofthe Property, the successor trustee shall succeed to all the title, power and duties conferred upon Trustee herein and by Applicable Law. 25. Request far Notices. Borrower requests that copies ofthe notice of default and sale be sent to Borrower's address which is the Property Address. NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT 12439.CV (11/07) 03-1104 (MERS) Form 3028 1/Ol (gage 7 of 8 gages) Creative Thinking, Inc. GOTO(001 f5c2a)