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<br />14. Loan Chawges. Lender may chazge Borrower fees for services performed in connection with Borrower's default, for the
<br />purpase of protecting C,ender's interest in the Property and rights under this Security instrument, includin�;, but not limited to, attorneys'
<br />fees, property inspection and valuation fees. in regard to any other fees, the absence of express authority in this Security Instrurnent to
<br />charge a specific fee to Borrower shall not he construed as a prohibition on the chargin� of such fee. Lender may nnt chargc fees that are
<br />expressly prohibited by this Security Instrument or by Applicahle Law.
<br />If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan
<br />charges collected or to be collected in cannection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced
<br />by the amount necessary to reduce tha charge to the permitted limit; and (b) any surns already collected from Borrower which exceeded
<br />permitted limits will be refunded tn Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by
<br />making a direct �ayment to Banower. If a refund reduces principal, the reduction will be treated as a partial prepayment wifhout any
<br />prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made
<br />by direct payment ta Borrower will constitute a waiver of any right of accion Borrower might have arising out of such overcharge.
<br />] 5. Notices. All notices given by Borrower or Lender in connection with ihis Security Instrument must be in writing. Any notice to
<br />Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail ar
<br />when actually delivcred to C3orrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice tn all
<br />Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has
<br />designated a sirbstitute notice address by notice to Lender. Borrower shal I promptly notify Lender of Borrower's change of' address. [f
<br />Lender specifies a procedure for reportin� Borrower's change of address, than I3orrower shall only report a change of address through that
<br />speciFied procedure. There may be anly one desi�nated notice address underthis Security Instrurnant at any one time. Any notice to Lender
<br />shall be given by delivering it or by mailing it by first class mail to Lendar's addrass stated herein unless Lender has desi�nated another
<br />address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender
<br />until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable
<br />Law requirement will satisfy ihe corresponding requirement under this Security Instrument.
<br />1 G. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and ihe law
<br />of the jurisdiction in which the Property is located. All rights and obligations contained in this Sacurity Instrument are subject to any
<br />requirements and Gmitations of Applicable Law. Applicable Iaaw might explicitly or implicitly allow the parties to agree by cantract ar it
<br />might be silent, but such silence shall not be construed as a prohibition against agreernent by contract. in the event that any provision or
<br />clause ofthis Security Instrument or the Note conflicts with Applicable Law, such cnnflict shall not affect other provisions of this Security
<br />instrument or the Note which can be given effect without the conflicting provision.
<br />As rrsed in this Security instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or
<br />words ofthe feminine gender; (h) wards in the singular shall rnean and include the plural and vice varsa; and (c) the word "may" gives sole
<br />discretion without any obli�ation to take any action.
<br />17. I3orrower's Copy. Borrower shall be given one copy of the Note and of this Security lnstrument.
<br />1 S. Transfer of the Property or a Beneticial Interest in Borrower. As used in this Section 18, "Interest in the Praperty" means
<br />any legal or beneficial interest in the Properiy, including, but not limited to, those beneficial interests transferred in a bnnd for deed, cnntract
<br />for deed, installment sales contract or escrow agreernent, thc int�nt nf which is th� transfer of title by Borrower at a Futurc date to a
<br />purchaser.
<br />If all or any part of the Properiy or any Interest in the Propercy is sold or transterred (or if Borrower is not a natural person and a
<br />beneticial interest in F3orrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in ful)
<br />of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by
<br />Applicable Law.
<br />If Lender exercises this option, Lender shal I give Borrower notice of acceleratian. The notice shal l provide a period of not less than
<br />30 days from the date the natice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Sacurity
<br />Instrument. If Ciorrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this
<br />Security Tnstrument without further notice or demand on Borrower.
<br />19. Borrower's Right ta Reinstate After Acceleration. If T3orrower meets certain conditions, Borrower shall have the right to
<br />have enforcement of Chis Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale of the Property
<br />pursuant to any power of sale contained in ihis Security Tnstrument; (b) such other period as Applicable Law might specify for the
<br />termination of Borrower's ri�ht to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that
<br />Borrower: (a) pays Lender all sums which then would be due under this Security Instniment and the Note as if no acceleration had occurred;
<br />(b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument; including,
<br />but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees 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 (:ender may reasonahly require to
<br />assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's ohli�ation to pay the sums secured by
<br />this Security Instrument, shal I continue imchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or
<br />morc nfthe following forms, as selected by Lender: (a) cash; (b) money order; (c) certified chack, bank check, treasurer's check or cashier's
<br />check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrurnentality or entity; or
<br />(d) Electronic Punds Transfer. Upon reinstatement by Borrower, this Sacurity instrurnent and obligations secured hereby shall rernain fully
<br />effective as if no acceleration had nccurred. However, this right to reinstate shal) not apply in the case of acceleration under Section 1 R.
<br />20. Sale of Note; Ch�nge of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this
<br />Security Instrument) can be sold nne or more times without prior notice to Borrower. A sale might result in a change in the entity (known as
<br />tha "Loan Servicer") that collects Periodic Payments due under the Note and this Security Instrument and performs ather mort�age loan
<br />servicin� obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes ofthe Loan
<br />Servicer unrelated to a sale oFthe Note. If there is a chan�e of the Loan Servicer, Borrower will be given written notice ofthe change which
<br />will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information RESPA
<br />requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer ather
<br />than the purchaser of the Note, the mortgage loan servicing obli�atinns to Borrower will remain with the i.oan Servicer or be transferred to
<br />a successor I,oan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser.
<br />Neither f3orrower nor Lender may cornmenca, join, or be joined to any judicial action (as either an individual liti�ant or the
<br />rnember of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has
<br />breached any provision of, or any duty awed by reason of, this Security instrument, until such Borrower or Lender has notified the other
<br />party (with such notice given 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 actian. If Applicable l.aw provides a time period which must elapse
<br />before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. 'Che notice of
<br />NEBRASKA -Single Famify-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT with MERS Fo 3028 1l07
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