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already collected from Borrower which exceeded this refund by reducing the principal owed under principal, the reduction will be treated as a partial charge is provided for under the Note). Borrower constitute a waiver ofany right ofaction Borrow one Borrower shall constitute notice to all Borrowers unless address shall be the Property Address unless Borrower has Borrower Shall prompptlyy Under nder of Borrower's chang Borrower's change OT. (dress, then Borrower shall only report may be only one designated notice address under this Security given by delivering it or by mailing it by first class mail to L 200305866 rower. lender may choose to make to Borrower. If refund reduces payment In Borrower will tv Instrument must be in ent shall be deemed to have been given to Borrower notice address if sent by other means. Notice many le Law expressly requires otherwise. The notice a substitute notice address by notice to Lender. 16. Governing Law; Severability Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations ofApplicable Law. Applicable Law might explicitlyor implicitly allow the parties m agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreemen[by contract In the event that any provision or clause sue' silence Securitylnstrumemor the Note conflicts with Applicable Law, such conflict shall not affect other provisions ofthis Security Instrument or the Note which can be given Is without the wnfiioting provision. As used in this Security Instrument (a) words ofthe masculine gender shall mean and include correspondingneuter words or words of the feminine gender, (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may' gives sole discretion without any obl. 6onam to take 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 an legal or beneficial interest in the Property, including, but not limited m, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part ofthe 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 1s sold or transferred) without Lender's prior written consent, Lender may require immediate payymment in full of all sums secured by this Security Instrument. However, this option shall not be exercised 1, [ender ifsuch exercise 1s prohibited by Applicable Law. 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 IS 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 in the earliest of: (a) five days before sale of the Property Pursuant many 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 ofajudgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would 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 and 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 pay such reinstatement sums and expenses in one or more ofthe following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's cheek 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 hereby shall 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 Note 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 Servicer ") that collects Periodic Payments due under the Now and this Security Instrument mid performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated m a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the time and address of the new Loan Servicer, the address in which payments should be made and any other information RESPA re qu'ves 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 Now, 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 by the Note purchaser. Neither Borrower nor Lender may commence, join, or bejoined to anyjudicial action (as either an individual litigant or the member ofa class) that arises from the other party's actions pursuant to this Security Instrumentor 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 ot'such notice to take corrective action. IfApplicable 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 m 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 action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "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 any resQonse action remedial action, or removal achoq as defined in Environmental To and (d) an "Environmental Condition' means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. NEBRASKA Sir&Family— Fannie Mae(Freddie Mae UNIFORM INSTRUMENT Form3a28 I/M (page6of8pages) 9754 CV (1/02) 1694676 OOTO(0004e!,W)