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200209256 already collected from Borrower which exceeded permitted limits will be refunded to Borrower. lender maychoose to make this refund by reducing the principal owed under the Now 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 ornotaprepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment o 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 nr Lender in connection with this Security Instrument most be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to➢omower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice toany 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 notice address by notice to Lender. Borrower'shall nominally notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting under Applicable Law, the Instrument. 16. Governing I federal law and the law of ived by Lender. If any notice required by this Security instrument is also required Law requirement will satisfy the corresponding requirement under this Security Severability; Rules of Construction. This Security Instrument shall be uisdiction in which the Property is located. All rights and obligations con Applicable Law, such contact 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 Securitylnstrument (a) words of the masculine gender shall mean and include correspondingnewer words or words of the feminine gender; to words in the singular shall mean and include the 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 ofthis Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section I8, "Interest in the Property' 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 contractor escrow agreement, the intent of which is the transfer of title by Borrower at a future date m a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or ifBorrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Tender may require immediate pa eat in full of all sums seemed by this Security Instrument. However, this option shall not be exercised by Lender it such exercise 1s prohibited by Applicahle Law. Matter exercises this option, Lender shall give Borrower notice of acceleration. Thenotice 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 tails to pay these sums prior to Our may invoke any remedies permitted by this Security Instrument without further notice or 19. Borrower's Right to Re instate After Acceleration. If Borrower meets have the right to have enforcement of this Security Instrument discontinued at any time p1 Applicable Law might specify for the termination of Borrower's right in reinstate; or (c) entry of ajudgment enforcing this Security Instrument. Those amdilions are that Borrower. (a) pays Lender all sums which then would he due under this Security Instrument and the Now 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 tither fees incurred for the purpose of protecting lender's interest in the Property and rights under this Security Instrument; and bb 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 of the following forms, as selected by Lender: (a) cash; (h) money order; (c) certified check, bank chuck, Insurer'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 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 Now (together with this Security Instrument) can be sold one or more times without prlornoticem Borrower. Asalemightresult in a change in the entity (known as the "Loan Servicer") 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 Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to 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 name and address of the new Loan Servicer, the address to which payments should he 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 by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of 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 tome period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure 21. Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances' are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, kcroscnc, 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 1s located that relate to health, safety or environmental proomhon; (c) `Environmental Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Envinmmcnml Condition" mean. a condition that can cause, contribute it), or otherwise trigger an Environmental Cleanup. NEBRASKA -- Single Family- -Faune MaNFreddle Mac UMMWsI INSTROMENT Fnrm3028 Val (pnRe6n(8p,,,) s1511 v O"o) o11717 oolu)(M)7,191)