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200205745 already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Iendermaychoose to make this refund by reducing the principal owed under the Now or by making a direct payment to Borrower. Tf a refund reduces principal, the reduction will he treated as a partial prepayment without any prepayment charge (whether of notaprepayment charge is provided for under the Note). Borrower's acceptance equity such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument most be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed nt have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address rf sent by other means. Notice m any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute nonce address by notice to Icndcr. Burrower shall promptly not fy Lender of Borrower's change of address It Under specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedum. Then: may be only one designated notice address under this Security Instrument at any onetime Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not he deemed to have been given to Tender until actually received by leader. Nary notice required by this Security Instrument is also required under Applicable Use the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severabilily; Rules of Construction. This Secufity 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 of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contractor it might he silent, but such Silence shall not be construed as a prohibition against a grecmcntbycomract In the event that arty provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Sccunty Instrument (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) wonlS in the Singular shall mean and include the plural and vice versa; and or the word "may" gives sole discretion without any obligation to lake any action. 17. Borrower's Copy. Borrower shall he given one copy of the Note and of this Seoul ity Instrument. 18. Transfer of the properly or Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, these 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 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 transfcned) without Lender's prior written consent, Lender may require immediate payment in hull of all Suns secured by this Security instrument. However, this option shall not he exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice ofaccele ration. 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. It Borrower fails to pay these sums prior to the expiration of this period, Icndcr may invoke anyy remedies per nutted by this Security instrument without further notice or demand no Burrower. 19. 13or rower's Right to Reinstate After Acceleration. It Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of. (a) live 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 of initiation of Borrower's right o reinstate; or (c) entry of ajudgment old nrcmg 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; (h) 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' tees, property inspection and valuation fees, and other lees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security InstrumenC and (d) takes such action as Lender may reisonahly require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums scoured by this Security Instrunent, shall continue unchanged. Lender may require that Borrower pays rich reinstatement sums andexpensesinone or more of the following forms, as selected by Tender: (a) cash; (b) money order', (c) cerefiul check, book 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 of entity; or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligators secured hereby shall remain tully effective as if no acceleration had occurred. I-luwever, this right to reinstate shall not apply in the case of acceleration under Section LS. 20. Sale of Note; Change of Laan 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 mightiesult in a change in the entity (known as the "Loan Servicer ") that collects Periodic Payments duo under the Note and this Security, hts[mment and performs other mortgage loan servicing obligate r, under tire Note, this Security Instrument, and Applicable Law. Then; also might be one or more changes of the Loan Servicer unrelated toil sale of the Note. Ifthere is a change of 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 therea her 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 due Loan Servicer or be transferred to a successor Loan Set vice, and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. _ Neither Borrower nor Lender may commence, jom, nr he jowled to any judicial action (as either an individual litigant or the member of a 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 mason of, this Security Instrument, until such Borrower or f,Oder has notified the other party (wBh such notice given in compliance with the regmrenuents 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 ro pvides a time period which must elapse before certain action can he taken, 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 ofaereleration given to Borrower pursuant to Section I8 shall be deemed to satisfy the notice and opportunity to lake corrective action provisions of this Section 20. 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those Substances defined :IS toxic er hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, 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 of environmental protection; (c) "Environmental Cleanup" includes any 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 Envinmmunial Cleanup. NEBRASKA-- Single Form— Fm. oi. N i./FreddieMactiNIFORMINSTRIIMItNT Funn3028 1101(,,,,6J8,,,,,1 99Vfvpla2l G11589 GOTOM011183i