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<br />14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the
<br />purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, 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 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 or by Applicable 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 connection 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 atready collected from Borrower which exceeded
<br />permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under 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 provided for under the Note). Bonower's acceptance of any such refund made
<br />by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge.
<br />15. Notices. All notices given by Borrower or Lender in connection with this 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 or
<br />when actually delivered to Borrower's notice address if sent by other means. Notice to any one Bonower shall constitute notice to 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. Borrower shall promptly notify Lender of Bonower's change of address. If
<br />Lender specifies a procedure for reporting Bonower's change of address, then Borrower shall only report a change of address through that
<br />specified procedure. There may be only one dcsignated 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 designated another
<br />address by notice to Borrower. Any notice in connection with this 5ecurity 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 the corresponding requirement under this Security Instrument.
<br />16. Governing Law; Severability; 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 obligations contained in this Security Instrument are subject to any
<br />requirements and limitations ofApplicable Law. Applicable Law might explicitly or implicitly allow the parties to agee 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 or the Note conflicts with Applicable Law, such conflict shall not affect other provisions ofthis Security
<br />Instrument or the Note which can be given effect without the conflicting provision.
<br />As used in this Security Inst�vment: (a) words of the masculine gender shall mean and include 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 obligation to take any action.
<br />17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument.
<br />18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the ProperLy" means
<br />any legal orbeneficial interest in the Property, inciuding, but not limited to, those benef cial 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 Bonower at a future date to a
<br />purchaser.
<br />If all or any part of the Property or any Interest in the Ptoperty is sold or tcansfened (or if Borrower is not a natural person and a
<br />beneficial interest in Bonower is sold or transferred) without Lencler's prior written consent, Lender may require immediate 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 />If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than
<br />30 days from the date the notice is given in accordance with Section 15 within which Bonower must pay all sums secured by this Security
<br />Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this
<br />Security Instrument without further notice or demand on Borrower.
<br />19. 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 before sale of the Property
<br />pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the
<br />termination of Bonower's right to reinstate; or (c) entry of a jndgment 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 if no acceleration had occuned;
<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 incuned for the purpose of protecting
<br />Lender's interest in the Properly and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to
<br />assure that Lender's interest in the Property and rights under this Security Instntment, and Borrower's obligation to pay the sums secured by
<br />this Security Instrument, shall continue unehanged. I,ender may require that Borrower pay such reinstatement sums and eacpenses 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, insirumentality or entity; or
<br />(d) Electmnic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secnred hereby shall remain fully
<br />effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration nnder Section 18.
<br />20. Sale of Note; Change of Loan Servicer; Notice of Grievance. T'he Note or a partial interest in the Note (together with this
<br />Security Instrument) 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 Insirument and performs other mortgage loan
<br />servicing 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 of the Note. If there is a change 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 shou(d 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 other
<br />than the purchaser of the Note, the mortgage loan servicing obligations to Bonower will remain with the Loan Servicer or be transferred to
<br />a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser.
<br />Neither Bonower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the
<br />member 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 dnty owed by reason of, this 5ecurity 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 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. The notice of
<br />NEBRASKA -Single Family-Fannle Mae/Freddie Mac UNtFORM iNSTRUMENT with MERS
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