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��15�4�5� sums a�ready col��c�ed from Borrower v�hich ex�eeded permit�ed li.mi�s will be refunded to B�rr�wer. Lender ma� choase�o make th�s refun.d by reducing the principal ov�ed under�he No�e�r by mak�ng a direct payment�a Borr�wer.If a refund reduces prin�ipal,th�reduc�ion v�il�be treated as a partial prepayment without any prepayment chaxg��whether or no�a prepaym�nt charge is pro��ded for under�h.e No�e}.Borrower's acceptance�f any such refund made by direct paym�n�to Barro�►ver wi�l constitu�e a�vaiver of any right of acti�n Borrovver m.�gh�have a,rising ou��f such overcharge. I 15.Notices.Ali n�t�ces given by Borrv�rer or Lender i.r�.cannectian with�his S�curity Instarrument must be a�.n.vvri�ing. Any no�ice to Borrower in connection�ith�iis S�curity Ins�rument sha�l�e de�med�a have b�en given�o Borro�rer when ma��ed by f�rst class mail or when ac�ua��y delivered�a Borrower's no�ice address if sen�by o�her means.Notice�a , any one Borrower shall�onst�tute no�ice t�a��Borrowers un�es�Appl�ca�ble La�expressly requares otherwis�,The natice address�hal�be the Praperry Address unless B�rro�r�r has des�gnated a su�s�i�u�e n�t�ce address by n��ice to Lender. � B�rr�wer shal�prompt�y notify Lend�r of Barrovver's change of address.�f Lend�r spec�f�es a procedure for repor�ing � Borr�wer's chan�e�f address,�hen Borrovver sha�l on�y repor�a change af address thr�ugh that specified proc�dure. There may be only one�.es�gnated notice addr�ss under th�s Secur�ty Instrument a�any one tim�.Any no��ce to Lender sha�1 be gi�en by dei�vering�t ar by mailing i�by fzrs�c�ass mail��Lend�r's address s�a�ed herei.n unless Lender has desibnated anath�r address by no�xce��Barrav�er.Any no��c��n connec�ion v��th thxs S�cur�ty Instrument sha1l not be d�emed�to have�een given to Lend�r un��I actua��received by Lender If any no��ce required by th�s Securi.ty Inst�ument is also required ux�der App�icable Law,th.e Applicab�e Law requirement wi��satisf��h.e corresponding requirem�nt under �his Secur�ty Ins�rument. 1�.Gaverning Law;Se�erability;Ruies af Canstru�tion.This Security�nstru.ment sha�l�e gaverned by federal law and�he Iaw of the jurisd�ction a�.n wh�ch the Praperry is lacated.AI�rights and�bligat�ons cantained in�his Security �nstrument are subj ect to any requir�ments and �imitations of A�pli�ab�e Law. Applicable Law migh� exp�icitly or � implicitly al�ow th� paxt�es t� agree by contrac� or it m�ght be silen�, but such silence sha�� n�t �e �anstru�d as a prohib�t�on aga�rist agreement by cantra�t.�n�he even�tha�any pravision ar clause of this Securi�ty�nstrument�r the No�e confiic�s with App�r�ab�e Lau�,such�on�lic�sha�1 not af�'�ct other pr��isions of�his Security Ins�rumen��r�he No�e which can be g�ven effec�wi�haut the conflx��ir�g pravisian, .A.s used in�his Security Instrument:�a�wards of the mascu�ine gender sha1�mean and include�orrespand�ng n�uter words or words of the feminane gend�r;(b�w�rds rn�he singular shall mean a�.d z.nclude�he plural and vice versa; and�c}the v�rard"may"gives so�e discre��on vv��hou�any ob��gatxon�a talce any act�on. ' l7.Borrower's Copy.Borro�ver sha�1 be g��en one.�apy of the Note and of�his Security Instrument. 1S.Transfer af the Property�r a Benef�cia�Interest�n Borrower.As us�d in�his Section �8,"Interes�in�he , Proper�y"means any lega�ar b�nef�c�a1�nterest in the Property,including,hut n�t�im�ted�o,�hose beneficial interests transf�rred in a band for deed,contrac�for deed,instal�ment saies con�rac�ar escrow agreement,the inten�of whx�h is�he �ransfer of t�t�e by Borrower a�a future date�o a purchaser. Zf al�or any par�of�he Property or any�nterest�n the Property is so�d or trax�sferred�or if Borrower is n�t a na�ural � persan and a benef�cial a�nterest in Borrower is s��d or transf�rred}v�ithout I�ender's przor wr�tten consent,Lender may r�quire i.u�nmedrat�payment in ful�af al�sums secured by��iis Security Instrument.Hov��ver,this opti�n shal�n��be exercised by L�nder if such e�ercise is proh�b�t�d by Appli�able Law. �f Lender exercises this aptifln,Lender sha�I g�ve Borrawer notice of accelera�inn.The noti�e shall pr�v�de a period of not less than 3�days from�he dat�the notice is gi��n in acc�rdance�vi�h�ection 1�wxth.in.v�rh�ch Borrower must pay a�l sums secured by th�s Securxty Instru.ment,rf B�rrower fai�s��pay�hese sums prior t�the exp�rat�on of th�s period, Lender may in�ra�e any rem�dies permitted�y�h�s Secur��y�nstrument with�ut fur�her natxce ar d�ma.nd on Borrawer. 19.I3�rrower'�Right to Reinstate After Acceleration.�f Borrav�rer meets certain candi�ians,�3�rr�wer shall ha�e � the right to hav��nf�rcement of thxs Security Instrumen�discontinued at any��me prior to�he�ar��es�of: �a�f�v�days befare sale of�he Proper�y pursuant to any p�vwer af sa�e�ontained�.n�his Securi�y�nstrumen�;�b}such o�her periad as App��cab�e Law m�ght specify for�he termanation of Barrower's righ�to reinstate;or�c}entry vf a judg�nent enforcing hIEBRASKA�Single Family-Fannie MaelFreddi�Mac UNIFDRM lNSTRUMENT with NiERS Form 3�28 'i 4� Page�0 of 13 �` � �ns,in�. ' Borrower�s}�nitiaCs I 3