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��14�3�47 prepayment charge��he�her or n�t a prepayment charge�s pravided for�nder the No�e�. Borr�v�rer's acceptance af any suc�i refu�d made by direct payment�o Borr��er w�ll cons��tute a i�raiver of any righ�af aG�ion Barr��wer migh� ha�e arising aut of�uch overcharge. 15. Not�ces. All no�ices given�y Barrower or Lender in c�nneCt�on vt�i�h th�s Secur�ty Ir�strume�t must be�n wr�ting. Any notice�o B�rrower i�c�nnecti�n v�i�h this Security�nstrument sha11 be d�emed�o ha�e been g�ven to Barro�er v�hen ma�led by �rst c�ass ma�l or when ac�ua�ly delivered to Borr��er's na�ice address if sent by ot�ier rnear�s. Notice�a any ane Barro��er sha�l consti�ute natice to a��B�rrowers un�ess Applicab�e Law expressly requ�r�s atherv�ise. The no�ice address �hall be the Property Address u.�Iess Borrovver has designated a substitute notice address by n�tice to Lend�r. B�rrovver sha�� promp�ly r��tify Le�zder of Borrovver's change af address. If Lender speC�f es a pr�cedure for reportin�;Barrower's cha�zge of address,then Borrower shal�only report a change of addr�ss thraugh�ha� speczfied procedure. There may be only one designa�ed nat�ce address under this Security Ins�rument at any ane time. Any notace�o Lender shall be give�by de�ivering i�or by mailing it by firs�class mail�o Lender's address s�a�ed herein unless Lend�r has designa�ed anather address by nfltice ta Borr�wer. Any no�ice in connec�ion w�th this 5�curity Ins�ruznent sh�l�no�be deemed��have been g�ven�o Lender unti� actua.11y recezved by Lend�r. If any nat�ce r�quired by this Secuxity Ir�strument is also required under App�icable Law, th� Applicab�e Lavv requirement vt��sat�sfy�he corr�sponding requirement u�der�his Se�urity Instrument. 15. �o�erning Lav�; Severability; RuleS of�anstruct�on. This Securi�y Ins�rumen� shail be gaverned by federal law and the�aW of the ju�-isdict�an in which the Proper��s Iacated. All righ�s and obl�gatians canta�ned in th�is SeGurity Instrument are subj ect�a any r�qui.rernen�s and��r�tations af Appl�cab�e Lau�. App�icable Law migh� explic�tly or �mp�ic�tly a��ovv th� par�ies �o agree by con�rac� or it m�ght b� si�ent, l�u� such si�en�e shal� nat ve cans�rued as a prohibition agains� agreem�nt by cantract. I�the event�hat any provisian or c�.ause af this Security �nstrumen�ar the l��te canfiicts��v�th App�icable Lav�, such canf�xct sha��not affec�o�h�r pravisians of this Securzty Instrurnen�or�he Nate which ca�be g�ven effe��witha�t the cor�fl.icting prov�sian. A�used�n thi.s Secur�ty Ins�rumen�: �a}vvords af�h�mascu�ine gender sha��mean and include corresponding neuter v�ards ar vvords of the fer��inine gender; �b�v�ords in the singu�ar sha��mean and include the plural and v�ce �ersa; and�c}th��vord"�nay" gives sale di.scretion v�ri�hou�any�blig;ation to ta.l�e any act�an. 17. Borrower's Capy. B�rrawer sha11 be given one copy af th�Nate and of th�s Security Instrumen�. 18. Transfer of the Prop�:r�y or a Benef�c�ia�Interest in�3�rrower. As used in this Se��ian 18, "In�erest in the Pr�perty" means any Iegal o��benef cia� �nterest in�he Property, including, but not�imited to, those�enef cial interests transferred in a band far deed, contract for d�ed, installment sales contrac�or escro�agreemen�, the�ntent af whi ch is the�ra�s fer a f�i��e b�Borrower at a futur e da�e�o a pur chas er. If aI�or any part of the Property or any In�erest zn the Property is sold or transferred��r �f Borrower is no�a natural person and a benef�c�al �terest in Borrower �s sold or transferred�vvithaut L�nder`s pr�or v�rri�ten c�nsen�, Lender may require imrnedia�e payment in fu��af aIl sums secu�r�d by this Secur�ty Instrumen�. However, �h�s aptian shal�not be exerc�sed by Lender if such exercise zs prohibi�ed by Applicable La�. � If Lender exercises�h�s�p��on, Lender shall give Barrovver notice of acce�erat�on. The no�ice shall pravid� a per��d af not Iess than 3�day�fram the date the notice is given in acc�rdance wi�h Sectian I5�vi�hin�vhich Barrav�rer must pay al�sums secured by th�� Security I�s�rumen�. If Barrovtrer fai�s t�pay the�e sums prior to�h.e expiratian of �h�s period, Lender may inval�e any remedies perxnit�ed by�his Secur�ty Ins�rument u�i�hou�further notice or d��nand an Borrower. 19. �3orrower's Right to l�:e�.nstat�After Acceleratian, If Borrower meets certa�n�andi�ions, Borrovver shall have the r�ght�o have enforcement�f�his Securi�y Instrumer�t discontznued at ar�y tan�e prior ta the earliest of �a} five days befare sale af th� Property pursuant to any pawer of sale con�ai�.ed in this Security Ins�rument; �b� s�ch o�her per�.od as Applicable Law m�ght specify far�he term�na�zan of Borrawer's r�ght to reinsta�e; �r �c� en�ry of a judgnlent enforcing this Security Ins�rument. Those candit�ons are�1i�.�}3orrawer: �a�pays Lender all surns wh�ch then w�u1d be due u�.�der this Securi�y Instrument and th�Not�as zf no accelera��on had accurred;�b}cures any defaul� of any other covenants or agreem�nts;�c}pays a�I expenses incurr�d�n e�forcing this Security Instrumen�, in��udin�, bu�na��rnited to, reasor�ai�le at�r�rne�s' fees, praperty inspection and valuatia�.fees, and o�her fees incurred for the purpase of protecting Lend�r's in�erest in�he Praper�an�righ�s under this Securi�y Ins�rument; and(d�ta.kes s�ch action as Lender may reasonably�require to assure tha�Ler�der`s�nterest in the Proper�y and rights uxzder�h�s Security NEBRAS�CA--Single Family--Fannie II�aelFreddie 1lilac UNIFQRM iNSTRUMENT Doclll�ac�i�c o Fo�'m 3�28 �101 Page 'I� of '�4 www.docrx�agic,cvm