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<br />200703032
<br />LOAB .. 8250190803
<br />any such loan charge shall be reduced by the amount necessary to reduce the charge to the pennitted limit; and (b)
<br />any sums already collectml from Borrower which exceeded permittoo limits will be refunded to Borrower. Lender may
<br />ehoose to make this refUnd by reducing the principal owed und~ the Note or bymaklng a direct payment to Borrower.
<br />If a refund roouces principal, the reduction will be treated as a par1ial prepayment without any prepayment charge
<br />(whether or nota prepayment charge Is provided 10r under the Note). Borrower's acceptance ofanysuch refund made
<br />by direct payment to Borrow~ will constitute a waiver of any right of action Borrower might have arising out of ",uch
<br />overcharge.
<br />15. NoUeea. All notices given by Borrower or Lender in connection with thill Security Instrument must be in writing.
<br />Any notice to Borrower in connectlon with this Security Instrument shall be deemed to have been given to Borrower when
<br />mailed by first clas 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 aJ 8oIrowers unless Applicable Law expressly requires otherwise. The notice
<br />address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender.
<br />Borrower shall prompUy notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting
<br />Borrower's change of address, then Borrower shall only report a change of addnlSS through that "'pacified procedure.
<br />There may be only on. designated nolica address under thi$ Security Instrument at anyone time. Any nolica to I.9nder
<br />",hall be given by delivering it or by mailing it by first class mail to Lender'", address stated herein unl"s Lender has
<br />designated another address by notice to Borrower. Any notice In connection with this Security Instrument shall not be
<br />deemed to have been given to Lender until actually received by Lender. If any notice required by thill Security Instrument
<br />is also required under Applicable Law, the AppliCable Law requirementwlll satisfy the corresponding requirement under
<br />thill Security Instrument.
<br />18. Governing Law; S.YWldJIllty. RuI.. of Con8trucllon. This Security Instrument shall be govemed by federal
<br />law Ilnd the law of the juri$diction in which thl!l PrapflI'ty it; located. AI rights al'Kl obligations contained in this Security
<br />Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law mightexpllcitly or Implicilly
<br />allow the parties to agree by contract or it might be silent, but$Uch silence shall not be construed a", a prohibition against
<br />agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with
<br />Applicable law, such conflict shall not affect other prOVisions of this Security Instrument or the Note which can be given
<br />effect without the conflicting provision.
<br />As used in thill Security Instrument; (a) words of the masculine gender shall mean and include corresponding neuter
<br />words or words of the feminine gender; (b) words In the singular shaR mean and Include the plural and vice versa; and
<br />(c) the word "may" g~ sole discretion without any obligation to take any action.
<br />17. Borrow"'. COpy. Borrower shal be given one copy of the Note and of this Security Instrument
<br />18.. Tran.r of the Property OJ' a a...fteUlf Intarast In Borrower. As used in thi!:: Section 18, MlnterE$t in the
<br />Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial inte~ts
<br />transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which
<br />is the transfer of title by Borrower at a future date to a purchaser.
<br />If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural
<br />person and a beneficial interest in Borrower i!:: sold or transferred) without Lender's prior written consent, Lender may
<br />require immooiate payment in full of aI sums secured by this Security Instrument However, this option shall not be
<br />exercised by lMder if such exercise 1$ prohibited by Applicable Law.
<br />If Lender exercises this option, Lender Shall give Borrower notice of acceleration. The notice Shall provide a p~iod
<br />of not less than 30 days from the dale the notice is given in accordance with Section 15 within which Borrower
<br />must pay all sums secured by this Security InstrYrnent If Borrower fails to pay these sums prior to the expiration of
<br />this period, Lender may invoke any remedies permitted by thi!:: Security Instrument without further notice or demand
<br />on Borrower.
<br />19. Borrow.r'. RIght to Reinstate After AcceMraUon. If Borrower meets certain conditions, Borrower shall have
<br />the right to have enforcement of thl$ Security Instrument disconUnued at any Ume prior to the earlIest of; (a) live days
<br />before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period
<br />as Applicable law might "'pacify for the termination of Borrower'", right to reiO$late; or (c) entry of a judgment enforcing
<br />this Security Instrument. Those conditions are that Borrower: (a) pa~ Lander .. sums which then would be due under
<br />this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default ot any other covenants
<br />or agreements; (c) pays aD expenses incurred In enforcing this Security Instrument, Including, but not limited to,
<br />reasonable attorneY"" fees, property inspection and valuation fees, and otherfees incurred for the purpose of protecting
<br />Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may
<br />reasonably require 10 assure that Lender'", interest in the Property and rights under this Security Instrument, and
<br />Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may
<br />require that Borrower pay such ~O$tatement sums Ilnd expen$es in one or more of the following 1orm$, 4$ selected
<br />by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's Check or cashier's check, provided
<br />any such check is drawn upon an institution whose depooit$ are in",ured by a federal agency, instrumentality or entity;
<br />or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured
<br />hereby ",hall remain fully effective as if no acooleration had occurred. However, this right to reinstate shall not apply in
<br />the case of acceleration under Sectlon t 8.
<br />20. Sale of Note; Ctu.ngo of Loan SeMoer; NotIce of Grievance. The Note or a partial interest in the Note
<br />(together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might
<br />r8$ult in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and
<br />this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security
<br />Instrument, and Applicable Law. There also might be on8 or mora changes of th8 Loan S&Ivicer unr&laled to a sale of
<br />the Note, If th~e is a change of the Loan SeMcer, Borrower will be given written notice of the change which will stale
<br />the name and addr8$'" of the new loan SenIlcer, the address to which paymenl$ ",hould be made and any other
<br />informatlon RESPA requires in connection with a notice of transfer ofservic:ing. If the Note is sold and therutlerthe loan
<br />is serviced by a loan Servicer olherthan the purchilserot the Note, the mortgage loan servicing obHgations to Borrower
<br />will remain with the loan Servlcer or be transferred to a successor Loan Servicer and are not assumed by the Note
<br />purchaser unless otherwise provided by the Note purchaser.
<br />Neither 80r'r0\wr nor Lender may commen.:., join, or be joined to any judicial.clion (as either an indo
<br />or the member of a class) that arises from the other party's actions pursuant to this Security Instrument r
<br />Initials.
<br />NE8flASKA--Slngle FQrn/ly-FIIIlI1" UlIe/Fnoddle ..... UNIFORM _mUMENT ~ _1/01
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