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2� 1 ��31 �9 [Emi�s�nr�[C be refund�d�o Borrower. L�nder may ch�ase�o make th�s refund by reduc�ng�he pr�n�ipal ovved unde��h� Na�� or by making a d�rect paymen�to Borro�rer. ff a refund redu�es pr�ncipa�, the reduction will be �r�ated as a par��al prepaymenf w��hout any prepayment charge �whether ar not a prepaymen� charge �s proWided for under fihe No�e}. Borrawer's acceptanc� of any such refund mad� by direct payment �a Borrawer wi!! consfi��u�e a waiver of any right of ac�ion BQrrawer migh�have arEsing au�vf su�h overcharge. '�4. Notices. All no��ces gi�en by Bo�rower or Lender in connec��on w��h fihis Secur��y lnstrument mus� �e in wr��ing. Any na�ice �o Borro�rer in connec�ion ��h thts Security ins�rumen� shalf be deemed �o ha�e been gi�en �o sorrower wh�n maife� by f rsf �[ass mai[ or wh�n ac�uaiiy deii�er�d �o Borrower's nafi�ce address if sen� by o�her means. Nv�ice to any�ne Barrawer shail cans��ute no��c� to aii Barrowers unless Appl"rcable Law e�cpressly requires o�herwise. Th� notice address shali be �he Praperty Addr�ss un�ess Borrower has des�gnated a subsfii�u�e nv�ice address by no#ice �o L�nder. Borrower shail promp��y notify Lender of Borrower's change vf address. lf Lender specifies a procedure for repor�ing Barrower's change of address, then BorrovWer shaff only report a change of address�hraugh �ha�spe��fed procedure. There may be only one designated notice address under �h�s Security fnstrument at any one time. Any no�E�e to Lender shal[ be given �y deli�er�ng ��or�y mailing i�by firs�class mail�o Lender's address sta�ed herein un�ess Lender has des�gna�ed another address by nv�iCe�o Barrower.Any notic� [n connec�ian with �his Secu�i�y fns�rumen� shall na� b� deemed ta have been gi�en �o Lender un��l ac�ually receiWed by Lender. lf any nofi�e required by fhis Securi�y �ns�rumen� is a�so required under Applicab�e Law, the Applica�fe Law requirement vui!! satisfy the correspanding requiremen�under�his Se�uri�y �ns�rumen�. '��. Go�erning Law; Severabil`rty; Rules of �on�truc�i�n. Th�s Security lnstrumen� sh�ll be go�erned �y federal law and �he law of �he �urisdic�ion in wh�ch �he Property is l�ca�ed. Ai� righ�s and obliga�'rons confia�ned �n th'rs Securi�y lns�rumen� are su�je�# �o any requirements and [imitat�ons of Applicah[e Law. App�icab�e Lav�r m�ght explici�ly or �mplici�ly alfow �he part�es to agree �y cantract or it migh� be silent, bu�such siien�e shal� nat be construed as a pr�hibi�i�n against agr�emen� by�onfrac�. !n the e�ent tha�any prov�s�an or c�aus� of�his Secur�ty �nstrumen�or�he Nfl�e confi��ts v�ri�h App��ab�e Law, such conflicfi shail not affecf o�her prnvisians of�his Security ins�rument or fhe N��e whi�h can �e given effe��w��hou��he�anflic�ing pro��ion. A� used �n this 5ecurity lnstrumen�; �a} vvords of �he mascuE�ne gender shali mean and �nc�ud� corresponding n�u�er v�rords or words of�he feminine �ender; �b} words in �he s�ngular shall mean and �n��ude the plura[ and vic� versa; and �c} fihe word "may" gives so�e d�scre��on �ri�hou� any o��at�on to �ake any acfiion. '�6. Borr�r�rer's Co�y. Borrawer shai� b� gi�en one �opy of �he No�e and of �his Secu�ity lnstrumen�. '�7. Transf�r �f the Prop�r��. This loan may be de��ared immediately due and payable up�n �ransfer�f�h� Properky securing su�h laan�o any�ransferee, unl�ss th� accep�ability of�he assumpti�n of the ioan��s estab[ished pursuanfi�0 5ec�inn 3��4 af�hap�er 37, Tit�e 38, �nified S�a�es �ad�. If Lender e�ercises �his opt�an, Lender sha�l give Borrawer no��ce of ac�ele�ation. The notice shall pro��de a period of not �ess fihan 3D days from the date�he no��ce �s g��en in accordance wifh Sect�on 14 wi�hin which Borrowe� mus� pay all sums secured �y this 5ecuri�y in�trument. �f Borrower faEls to pay these sums prior �o �he expira�ion of this per�od, Lender may �nWoke any remedies permit�ed by fihis 5ecur��y Instrument wi�hou�furfiher not�ce or demand an Borro�rver. '�8. Borrower's �ight t� IReirnsta�e Aiter Acceleration. lf Borrvwer meets �er�a�n conditians, Borr�wer shal! have �he righ� �o ha�e en�orcem�n� af fihis Securi�y ins��ument d�s�ontinued a� any �ime pria�to�he earfiest of: �a}fiW� days befor�sale nf�he Proper�y pur�uant t� any pow�r�f sale contained in fh�s 5ecurity �nstrumen�; �b} su�h ofiher periad as App[iGa�le Law might specEfy for �h� te�mEna�ian �f Borro�rer's right to reins�ate; ar ��} entry of a �udgment enfo�cing �his Securifiy Enstrumenf. Thos� cvndi#ions are �ha� Borrvwer: �a} pays Lender al! sums whi�h �hen wau�d be due under �h�s Security lns�rument and the Note as �f na a��elera�ion had occurred; tb} cures any defaul� of any othe� c��enants ,,� 6 g 8 p ,k � M C M 0 R T 0 D T � NEBRASKA--Single Famis�--UNIF�RM 1NSTRUMENT A��enture Nlvrtgage Cadenc�Document Cer�ter O 37'�6 051'I 3 Page'��af'14