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200304939 <br />be refunded to Borrower. lender maychoose to make <br />1g a direct payment to Borrower. Ifs refund reduces <br />any prepayment charge (whwher or nolaprepayment <br />sue made by direct payment to Borrower will <br />15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in <br />writing. Any notice to Borrower in connection with this Security Instrument shall be deemed in have been given to Borrower <br />when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any <br />one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice <br />address shall be the Property Address unless Burrower has designated a substitute notice address by notice to Lender. <br />y delivering it or by mailing it by first class man to I ender's address stated herein unless lender has do <br />address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deeme <br />yen to Lender until actually received by Lender. If any notice required by this Security Instrument is also <br />1pplicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this <br />16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be <br />law and the law of the jurisdiction in which the Property is located. All rights and obligations con <br />y Instrument are subiect to any requirements and limitations of Applicable law. Applicable Law migh <br />Alicable Law, such conflict shall not attest other provisions of this Security Instrument or the Note which can be given <br />c pp t, without the conflicting provision. <br />As used in this Security Instrument: (a) words ofthe masculine gender shall mean and include comespondin neuter <br />words or words ofthe feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the <br />word "may' gives sole discretion without any obligation to take any action. <br />17. Borrower's Copy. Borrower shall be given one copy ofthe Note and ofthis Security Instrument. <br />18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the <br />Property' means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests <br />transferred in a bond for decd, contract for decd, installment sales contract or escrow agreement, the intent ofwhich is the <br />transter oftitle by Borrower at a future date to a purchaser. <br />If all or any part ofthe Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural <br />person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may <br />require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be <br />exercised by Lender if such exercise is prohibited by Applicable law. <br />Iflender exercises this option, Lender shall give Borrower notice ofacceleration. 'the notice shall provide aperiod <br />ofnot less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all <br />sums secured by this Security Instrument, if Borrower fails to pay these sums prior to the expiration ofthis period, Lender <br />may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. <br />19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall <br />have the right to have enforcement ofthis Security Instrument discontinued at any time prior to the earliest of. (a) five days <br />before sale ofthe Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as <br />Applicable law might specify for the termination of Borrower's right in reinstate; or (c) entry ofajudgment enforcing this <br />Security Inst m <br />ruent Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this <br />Security Instrument and the Now as if no acceleration had occurred; (b) cures any default of any other covenants or <br />agreements; (c) pays all expenses incurred <br />in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and <br />valuation fees, and other tees incurred for the purpose of protecting Lender's interest in the Property and rights under this <br />Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the <br />Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security <br />Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sum and expenses in one <br />or more ofthe following forms, as selected by Lender (a) cash; (b) money order, (y certified check, bank check, treasurer's <br />check or cashier's check, provided any such check is ddrawn upon an institution whose deposits are insured by a federal <br />agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security <br />Instrument and obligations secured hereby shall remain fully effective as ifno acceleration had occurred. However, this right <br />to reinstate shall not apply in the case of acceleration under Section 18. <br />20. Sale of Note; Change of Loan Servicer, Notice of Grievance. The Note or a partial interest in the Note <br />(logethcr with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale mightresult <br />in a change in the entity (known as the "Loan Servicer') that collects Periodic Payments due under the Note and this Security <br />Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable <br />Law. There also might be one or more changes ofthe Loan Servicer unrelated to a sale ofthe Note. Ifthere is a change of <br />the Loan Servicer, Borrower will be given written notice ofthe change which will state the name and address ofthe new <br />Loan Servicer, the address to which payments should be made and any other information RESPA requires in connectionwith <br />a notice oftransfer ofservicing. Ifthe Note is sold and thereafter the Ivan is serviced by a Loan Servicer other than the <br />purchaser ofthe Note, the mortgage loan servicing obligations to Borrower will remain with the Ivan Servicer or be <br />transferred to a successor Iran Servicer and are not assumed bythe Note purchaser unless otherwise provided bythe Note <br />purchaser. <br />Neither Borrower nor Lender may commence, join, or be)oined to anyjudicial action (as either an individual <br />litigant or die member ofa class) drat arises from the other party's actions pursuant to this Security Instrumentorthat alleges <br />that the other parry has breached any provision of, or any ditty owed by reason of, this Security Instrument, until such <br />given to Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuan m Section 18 shell be <br />deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. <br />21. Hazardous Substances. As used in (his Section 21: (a) "Hazardous Substances" are those substances <br />defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, <br />kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials <br />or removal action, as defined in Envnonmental taw; and (d) an <br />use, contribute to, or otherwise trigger an Environmental Cleanup. <br />NEBRASKA - Single Family - Fannie Mee /FraWdie Mar UNIFORM INSTRUMENT F9rm3028 1/01 (pngeb fRpnger) <br />9954 CV (1/02) 1686658 <br />(irYlil(OW4JxeN) <br />