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<br />14. Loan Charges. Lender may charge Borrower fees for services performed in connection with $orrower's default, for the
<br />purpose of protecting Lender's interest in the Property and rights under this 5ecurity Instrument, including, but not limited to, att�rneys'
<br />fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security instrument to
<br />charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are
<br />expressly prohibited by this Security instrument �r by Applicable Law.
<br />ifthe Loan is subject to a law which sets maximum loan charges, and that law is �nally interpreted so that the interest or other loan
<br />charges cal lected or to be collected in connectian with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced
<br />by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from B�rrawer which exceeded
<br />permitted limits will be refunded to Borrower. Lender may chanse to make this refund by reducing the principal owed undcr the Note or by
<br />making a direct payment to Borrower. if a refund reduces principal, the reduction will be treated as a partial prepayment without any
<br />prepayment charge (whether or not a prepayment charge is prnvided for under the Note). Borrower's acceptance of any such refund made
<br />by direct payment to Borrower will constitute a waiver of any right of action T3orrower might have arising out of such overcharge.
<br />l S. Notices. All notices given by Borrower or Lender in connection with this 5ecurity Instrument must be in writing. Any notice to
<br />Borrower in connection with this Security Instrument shall be deemed to have bcen given to Rorrower when mailed by first class mail or
<br />when actually delivered to B�rrowcr'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 substitute notice address by notice to Lender. Rorrower shall pramptly notify Lender of Borrower's change of address. If
<br />Lender specifies a procedure for reporting Borrower's change of address, then Bot'rower shall only repnrt a change of address throu�h that
<br />specified procedure. Thcrc 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 mailin� it by first class mail to Lender's address stated herein unless Lender has designafed another
<br />address by notice to Bor-rower. Any notice in connection with this Security instivment shall not be deemed to have been �;iven to Lender
<br />until actually received by Lender. lf any notice required by this Security [nstrumcnt is also required under Applicable Law, the Applicable
<br />Law requirement will satisfy che corresponding requirement undcr this Security Instrument.
<br />l6. Governing Law; Severahility; Rules of Construction. This Security instrument shall be governed by federal law and the law
<br />of the jurisdiction in which the Property is located. All rights and obli�ations contained in this Security Tnstrument are subject to any
<br />requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it
<br />might be silent, but such silence shall not be construed as a prohibition against agreement by contract. in the event that any provision or
<br />clause of this Security Instrument ot the Note conflicts with Applicahle Law, such conflict shall not affect other provisions of this Security
<br />Instrument or the Note which can be given effect without the conflicting provision.
<br />As used in this Security Instrument: (a) words of the masculine gender shall mean and includc corresponding neuter words or
<br />words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole
<br />discretion without any abligation ta take any action.
<br />17. Borrawcr's Copy. Borrower shall be given one copy of the Note and of this Security Instrument.
<br />18. Transfer of the Property ar a Beneticial Interest in Barrower. As used in this Section I 8, "Interest in the Property" means
<br />any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract
<br />for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a
<br />purchaser.
<br />if all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrnwer is not a natural person and a
<br />beneficial interest in Borrower is sold or transferred) without Lender's priorwritten consent, Lender may require irrrmediate payment in full
<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 />[f 1,ender exercises this option, Lender shall give Borrower noticc of acceleration. The notice shall prnvide a period of not less than
<br />3p days from the date the notice is given in accordance with Section I 5 within which Borrower must pay all sums secured by this Security
<br />Inscrument. If Borrower fails to pay these sums prior to the expiracion of fhis period, I.ender may invoke any remedies permitced by this
<br />Security Instrument without further notice or dernand on Borrower.
<br />l9. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to
<br />have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days befnre sale of the Property
<br />pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law mi�;ht specify for the
<br />termination of Borrower's right 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 Instrument and the Note as ifno acceleration had occurred;
<br />(b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Tnstrument, 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 Lender may reasanably require to
<br />assure that Lender's interest in the Property and rights under this Security instrument, and Borrower's obligation to pay the sums secured by
<br />this Security Instrument, shal l continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or
<br />more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, 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, instr or entity; or
<br />(d) Electronic Funds Transfer. Upon reinstatement by I�orrower, this Security instrument and obligations secured hereby shall remain fully
<br />effective as if no acceleration had occurred. However, this ri�ht to reinstate shall not apply in the case of acceleration under Section I 8.
<br />20. Sale of Note; Change of Loan 5ervicer; Notice of Grievance. The Note or a partial interest in the Note (together with this
<br />5ecurity insfrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as
<br />the "Loan Servicer") that collects Periodic Payments due under the Note and this Security Instrument and perForms nther mortga�e loan
<br />servicing obligations und�r the Note, this Security Tnstrument, and Applicable Law. There also might be one or more changes of the Loan
<br />5ervicer unrclated [o a sale of the Note. if there is a change of the Loan 5crvicer, Borrower will be given written natice nf the 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 RC5PA
<br />requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Goan is serviced by a Loan Servicer other
<br />than the purchaser of the Note, thc mortga�;e loan servicing obli�ations to Aorrower will remain with the Loan 5crvicer or bc transferred tn
<br />a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser.
<br />Neither Borrower nor Lender rnay commence, join, or be joined to any judicial action (as either an individual liti�;ant or the
<br />memher 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 prnvision of, or any duty owed by reason of, this Security Instrument, until such Iiorrower or Lender has notified the other
<br />party (with such notice given in compliance with the requirements of Section 15) of such alle�ed breach and afforded the other party hereto
<br />a reasonable period after the giving of such notice to take correctivc action. If Applicable Law 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. 7'he notice of
<br />NEBRASKA -Single Family-�annle Mae/Freddie Mac UNIFORM INSTRUMENT with MERS F 3028 1/01
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