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already collected from Borrower which exceeded this refund by reducing the principal owed under principal, the reduction wit be treated as a partial charge is provided for under the Note). Borrower constitute a waiver of my right of action Borrow 15. Notices. All notices given by But notice to all Borrowers unless Address unless Borrower has b (ender of Borrower's thank may be only one designated notice add given by delivering it or by mailing it another address by notice to Borrower. been given to lender until actually rec under Applicable law, 200303232 or, Lender may choose to make lorrower. If refund reduces mection with this Security Instrument must be in ent shall be deemed to have been given to Borrower notice address ifsent by other means. Notice to anv tent is also required under this Security ruing Law; Severability; Rules of Construction. This Security Instrument shall be law of the jurisdiction in which the Property is located. All rights and obligations con wesubjectmanyy requirements and limitations of Applicable law. Applicable Law pit parties to agree by contract or it might be silent, but such silence shall not be construed as effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; an(c) the word °may' gives sole discretion without any obligation to lake any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Properly' means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent ofwhich is the transfer of title by Borrower at a future date to a purchaser. Ifall or mty part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement ofthis Security Instrument discontinued at anytime prior to the earliest of (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument' (b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry ofajudgnent enforcing this Security Instrument. Those conditions are that Burrower: (a) pays Lender all sums which then wound be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property mid rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's Interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. lender may require that Borrower paysuch reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured herebyshall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer, Notice of Grievance. The Now or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servitor") that collects Periodic Payments due under the Now and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Appplicable Law. There also might be (me or more changes of the Loan Servicer unrelated to a sale of the Note. Ifthereisachangeof the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information RESPA requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed bythe Note purchaser unless otherwise provided bythe Note purchaser. Neither Borrower nor Lender may commence, join, or bejoined to any judicial action (as either an individual litigant or the member ofa class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can betaken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18 shall be deemed to satisfy the notice and opportunity to take corrective acion provisions ofthis Section 20. 21. Hazardous Substances. As used in this Section 21: tat "Hazardous Substances" are those substances kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection (c) °Environmental Cleanup" includes an y response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental Condition' means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. NEBRASKA - Single Faauly- Fannie Mae/Freddk Mae UNIFORM INSTRUMENT F'orn13028 Um (page6of8p,es) 9754AV(1/02) 1668552 GOTO(0004602)