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201305220 <br /> the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a <br /> 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 <br /> be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have <br /> been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice <br /> address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless <br /> Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless <br /> Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify <br /> Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of <br /> address, then Borrower shall only report a change of address through that specified procedure. There may be <br /> only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall <br /> be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender <br /> has designated another address by notice to Borrower. Any notice in connection with this Security Instrument <br /> shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by <br /> this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy <br /> the corresponding requirement under this Security Instrument. <br /> 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed <br /> by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations <br /> contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. <br /> Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but <br /> such silence shall not be construed as a prohibition against agreement by contract. In the event that any <br /> provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall <br /> not affect other provisions of this Security Instrument or the Note which can be given effect without the <br /> conflicting provision. <br /> As used in this Security Instrument: (a) words of the masculine gender shall mean and include <br /> corresponding neuter words or words of the feminine gender; (b)words in the singular shall mean and include <br /> the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any <br /> 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 <br /> in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those <br /> beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow <br /> agreement,the intent of which is the transfer of title by Borrower at a future date to a purchaser. <br /> If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not <br /> a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written <br /> consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. <br /> However,this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. <br /> If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall <br /> provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 <br /> within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these <br /> sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security <br /> Instrument without further notice or demand on Borrower. <br /> 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower <br /> shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the <br /> earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security <br /> Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to <br /> reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: <br /> (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no <br /> acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses <br /> incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, <br /> property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest <br /> in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably <br /> require to assure that Lender's interest in the Property and rights under this Security Instrument, and <br /> Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender <br /> may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, <br /> NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br /> Form 3028 1 <br /> Laser Forms Inc.(8(800)446-3555 <br /> LFI#FNMA3028-MERS 9/11 Page 10 of 13 Initials: <br />