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201200085 designated a substitute notice address by notice to Lender. Bonower shall promptly notify Lender of Bonower's change of address. If Lender specifies a procedure for reporting Bonower's change of address, then Bonower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender 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 address by notice to Bonower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender unril actually received by Lender. If any norice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument aze subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicidy allow the parties to agr� by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall not affe�t other provisions of ttus Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) ttie word "may" gives sole discretion without any obligation to take any action. 17. Borrower's �py. Bc�rrower shall be given one copy of the Note and of this Security �nstrument. 18. Teansfier of t�e Prop�spty or a Beneficial lnterest in Borrower. As used in this Secrion 18, "Interest in the Froperty" me�s any Iegal or beneficial interest in the Property, including, but not limited to, those benefici� interests transferrec� ia a bond for deed, contract for dced, installment sales contract or escrow agre,ement, the intent of wluch is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial intet�est in Borrower is sold or transferred) without Lender's prior written consent, E,ender may require immediate payment in full of all sums secured by this 5ecurity Insmiment. However, t�iis option shall not be exercised by I.ender if such exercise is prohibited by Applicable Law. If Lender exercises tlus oprion, Lender shall give Borrower norice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section IS within which Bonower must pay all sums secured by this Security Instniment. If Borrower fails to pay these sums prior to the expirarion of this period, I.ender may invoke any remedies permitted by this Security Instrument without further notice or demand on Bonower. 19. Borrower's Right to Reinstate After Accelerafion. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Bonower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Bonower: (a) pays Lender all sums which then would be due under this Se,curity Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attomeys' fees, property inspection and valuarion fees, and other fees incurred for the purpose of protecting Lender's interest NEBRASKA-Singla Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VMP � Wolters Kluwer Financial Services Form 3028 1 /01 VMP6WE) (1105) Page 12 of 7 7