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202109622 <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 <br />INSTRUMENT <br />FORM 3028 1/01Initials: �D� <br />Laser Forms Inc. #FNMA3028-MERS 5/05 Page 10 of 13 <br />1111 <br />'1;5, <br />• <br />