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2� 1 �� 1827 the Note�. Bor�ro�er's accep�ance of any such refund made by di�rect paymen� �o Barra�er vv�ll const�tiu�e a wai�er of any righ�of ac�ion Barrower might have ar�sxng ou��f such avercha�rge. 15. Noti�es, Ail na�ices given by Bor�ower or Lender in cflnnec�i�n with �h�s S�curity �ns�rumen� mus� be �n w�i�ing. Any not�ce �o Borrower in conr�ec�ion wi�h �his Security �ns�rumen� shall be deemed to ha�e been gi��a t� Borrower when ma�Ied by f�rst c�ass mai� or �hen ac�ually delivered tfl Barrawer's notice address if sen� by a�her means. Notice �o any one Borrower sha�i const��ute no�i�� o al� B�rrowers unless Appli�able Law expressly requ�r�s otherwise. Th� nnt�ce address shall be th� Proper�y Address unl�ss Borrovver has designa�ed a substi�u�e notice address by natice �o Lender. Borrower sha�l promptly natify Lender af Borrower's change of address. �f Lender sp�ci�es a proGedure fQr reparting Borro�er's change of add�ress, �hen Borro�er shaii anly repor� a change af address �hrough that spec��ed procedure. Thexe may be anly one designa�ed n��ce address under �his Secu�rity �ns��rument at any one time. Any no�ice to Lender shai� be gi�en by delivering i� or by maiiing it by firs� ciass mail to Lender's address statied herein unless Lender has designa�ed ano�her address by natice�o Borrow�r. Any notice in conne��ion vvith �his Security �nstrument shall no� be deemed to hav� been giW�n to Lender un�� ac�ual�y re�eiv�d by Lender. �f any n�tice requ�red by �h�s Security �ns�rumen� is also required under Appii�able Law, �he Applicabie Law requxxemen� wi�I satisfy �he corresponding requ�remen�under thrs Securi�y Instrumen�. 15. Go�erning Law; Severabi�ity; Rules of Construc��on. This Security �nstrument shal� be gove�rned by federal law and �he law of�he jurisd�c��on in which �he Pra�erty rs Iaca�ed. AI� rights and obliga�ions conta�ned �n th�s Security �nstrumen� are subject ta any �-equiremen�s and Iim��a�ians of Appli�abie La�. App�i�abie Law m�gh� exp�ici�ly flr xmpiici�ly aliow the par�ies �o agree by contrac� or i� m�gh� be si�en�, but such silence sha�1 n�� be cons�rued as a prohibition agains� agreement by contract. In the eWent �ha� any provision or c�ause of�his Security Ins�rumen� or the No�e canflic�s with Applicab�e Law, su�h canfl�ct sha�1 no� affect o�her pro�xs�ons af �his Securi�y �ns�rumen� �r �he N��e which can be giv�n effec� vvithout the conflic�ing prov�sian. As used in �h�s Se�urity �ns�rumen�: �a} wards af the mascui�ne gend�r sha�l m�an and include correspflnding neu�er words �r �vards ❑f the feminine gender; �b� words in th� singu�ar sha�l mean and include �he plural and vice versa; and �c} �he word "may" gives sale discreti�n wi�hou� any ob�iga�ion to take any action. 17. Borrower's Copy. Borrov�er shall be gi�en one copy af�he No�e and of this Security �ns�rument. 1S. Transfer of�he Proper�y or a I3enef�c�a� Interest in Borrower. As used in this Sect�on �8, "�nt��es� �n the Proper-ty" means any lega� ar benefi�ial in�erest �n �he P�aper�y, 1I`lC�l�C�ing, bu� no� �imi�ed �a, �hose bene�c�al interests �ransferred �n a bond for deed, can�ract far d�ed, ins�a�lment saies con�rac� or escrovv agreemen�,�h�in�ent af which is�he transfer of�i��e by Borrawer at a fu�ure da�e�o a purchaser, If all or any par� of the Praperty or any rn�erest in the Proper�y is soid or�ransfe�r�red �ar if B�rrower is no� a na�ural p�rson and a benefic�al interest in Borrovver is sa�d or transferr�d} without Lender`s priar writt�n c�nsent, Lend�r may requir� imm�d�a�e paymen� �n fu11 of a�l sums secured by �his Securi�y �nstrumen�. Hovvever,�hxs op��on shall no�be exercise�l by Lender�f su�h exerc�se is proh�bited by Applicab�e Law. �f Lender �xercises �his op�ion, Lender shall gi�e Borravver notice af acceiera��on. The no�ice shail pro�ide a p�riod of no� �ess than 30 days from the da�e �he nntice �s gi�en zn accordance wi�h Section �5 within �vhich Borrower must pay a�1 sums secured by th�s Secur��y Ins�rumen�. If Barrower fa�ls �� pay �hese sums prior �� he expira�xo� of �his per�od, Lender may inwoke any remedies permi�ted by this Secur��y ins�rumen�vvithau�further na�ice or demand�n Borrower. 19. Borrower's Right �a Reinstate After Ac�Qleration. �f Borra�ver mee�s cer�a�n c�nd��i�ns, Barrower shail have �h� righ� �o have enfarcem�nt af thrs Secur��y �ns�rumen� d�scontinued at any �ime prxor �fl �he earliest of: �a� f�v� days bef�re saie of�he Proper�y pursuan� to any p�wer of sale con�ained in �his S��uri�y Ins�rumen�; (b� such other period as App�icable Law migh� specxfy for �he termxna�ion of Borrower's righ� to re�nsta�e; a�r �c� entry af a judgmen� enfarcing this Security rns�rumen�. Th�se conditions are �hat Barrflwer: �a} pays Lender a�i sums vvh�ch �hen v�ou�d be due under this Security �ns�rument and th� Not� as if no accel�ration had Qccu�red; �b� cures any default of any a�her �ovenants or agreements; �c} pays all expenses in�ur�red in �nforcing th�s Security �nstrumen�, including, but n�� imi�ed to, reasonable att�rneys' fees, praper�y inspec�ion and �alua��an fees, and other fees incurxed fflr �he purpose of p�ro�ec�ing Lender's in�erest in �he Prope�r�y and righ�s under �his Se�ur��y �nstrumen�; and �d} takes such action as Lender may reas�nably require to assure tha� Lender's �n�eres� �n the Prop�r�y and rights under th�s Secur��y Ins�rurnen�, and Borrawer's �bliga�ion �o pay �he sums secured by �his S�curity �nstrumen�, shai� continue unchariged. Lender may requi�re �hat I3orrower pay such rerns�a�emen� sums and exp�nses xn one �r more af�he fallo�nr�ng fnrms, NEBRASFCA�Single �am��y -Fann�eMaelFreddieMac L]NIFDRM 1NSTRUMENT Form 3028'!!D'f Laser Forms lnC.�8�0}446-3555 � l�FI#FNMA3a28-MERS 91�� Pa e 1 n o 13 . ` g f I n itia ls:,,,,r,,,�,,, �