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201209698 designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Inslrtunent 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 Borrower. Any notice in connection with this Security Insiruinent shall not be deemed to ha�e been given to Lender until actually received by Lender. If any notice required by this Security Insh uinent 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 are subject to any requirements and limitations of Applicable Law. Applicable I,aw might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition abainst agreement by contract. Yn the event that any provision or clause of this Security Instnunent or the Note conflicts with Applicable Law, such conflict shali not affect other provisions of this Security Instrtuiient 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 conesponding neuter words or words of the feininiue gender; (b)words in the singular shall mean and include the plural and vice versa; and(c)the ward"may" gives sole discretion without any obligation to take any action. 17. Borrow er's Copy. Borrower shall be given one copy of the Note and of this Security Instnunent, 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Propertv" means any legal or beneficial interest in the Property, inclucling, but not limited to, tl�ose beneficial interests transferred in a bond for deed; contract 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 purchaser. If all or any part of the Property or any Interest in the Properiy is sold or transferred(or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred)without Lender's prior written consent, Lender may require iinmediate payment in full of all sums secured by this Security Instninient. However, this option sha11 not be exercised by Lender if such exercise is prohibited by Applicable Law_ If Lender exercises this option, Lender shall give Borrower notice 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 15 within which Sorrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Seeurity Instrument without furtlier notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall ha�e the right to have enforcement of this Security Instruinent 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 Instriui�ent; (b) such other period as Applicable Law might specify far the ternunation of Borrower's right to reinstate; or(c)entry of a judgment enforcing this Security Instrument� Those conditions are that Borrower: (a)pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b)cures any default of any o#her covenants or agreements; (c)pays all expenses incurred in enforcing this Security InshLunent, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecii�-�g Lender's interest 24002781 NEBR4SKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUM ENT Form 3028 1/01 VM P O VM P6(NE)(11 OS) Wolters Kluwer Financial Services Page 12 of 17