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200206275 other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed The permitted limits, rem. (a) any such loan charge shall be reduced by to amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Rmmwer which exceeded permitted limits will be refunded to Rorrawcr. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower: If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prcpaymunt charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment TO Borrower will constitute a waiver of any right of action Burrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower ur Lender in connection with this Security Instrument must he in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Burrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Iuw exPmssly requires otherwise. 'Ihe notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender_ Borrower shall promptly notity Lender of Borrower's chon'L of address. If Lender specifies a procedure for reporting, Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time Any noliec 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 Borr'ooer. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Construction. This Security Insh'unent 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 expliciLly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract In the event that any provision or clause of this Security Instrument m 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 vilhout 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 tic plural and vice versa; and (c) the word "may gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security InaLrumnenl L. 18. Transfer of the property or a 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, those beneficial interests transferred in a band for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Burrower at o future date to a purchaser. If Al or any part of the Property m any Interest in the property is sold (ir transferred (or if Borrower is oat 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 exercised by Lender it such exercise is prohibited by Applicable Law. if Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not Tess 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 there sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Rnrrowcr. 19. Borrower's Right to Reinstate After Acceleration. If Borrower moat certain conditions, Borrower shall have the right m have cnfurcement of this Security Instrument discontinued of any time prior to the earliest oft (a) five days before sale of Oe Propety 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 NTBhASKA-- `,r,lc Pandly— Fannle NOe /Freddie Mac UNIFORM INS[III INEN r Fnrm 3028 ]/fit oocu. - 11. i inarz000