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200904421 <br />to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be <br />refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note <br />or by making a direct payment tv Borrower. If a refund reduces principal, the reduction will be treated as a <br />partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under <br />the Note). Borrower's acceptance of any such refund made by direct payment to 8orrvwer will constitute a <br />waiver of any right of action Borrower might have arising cut of such overcharge. <br />15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must <br />be in writing. Any notice to Borrower in connectien with this Security Instrument shall be deemed to have been <br />given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent <br />by other means, Notlce to any one Borrower shall constitute notice to all Borrowers unless Applicable Law <br />expressly requires otherwise. The notice address shall be the Property Address unless 8orrvwer has <br />designated a substitute notice address by notice tv Lender. Borrower shall promptly notify Lenderof Borrower's <br />change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower <br />shall only report a change of address through that specified procedure. There may be only one designated <br />notice address under this Security Instrument at any one time. Any notice to Lender shall be given bydelivering <br />it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another <br />address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to <br />have been given to Lender until actually received by Lender. If any notice required bythis Security Instrument is <br />also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement <br />under this Security Instrument. <br />16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be <br />governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations <br />contained in this Security Instrument are subject to any requirements and limitations of Applicable Law, <br />Applicable Law might explicitly or implicitly allow the parties to agree by contractor it might be silent, but such <br />silence shall not be construed as a prohibition against agreement by contract, In the event that anypravision yr <br />clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other <br />provisions of this Security Instrument or the Nate which can be given effect without the conflicting provision. <br />As used in this Security Instrument: (a)wards of the masculine gender shall mean and include <br />corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include <br />the plural and vice versa; and (c) the ward "may" gives sale discretion without any obligation to take any action. <br />17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument, <br />18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, <br />"Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited tv, <br />those beneficial interests transferred in a bond for deed, contract far deed, installment sales contract or escrow <br />agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. <br />If all or any part of the Property yr any Interest in the Property is sold or transferred (nr if Borrower is not <br />a natural person and a beneficial interest in Harrower is sold or transferred) without Lender's prior written <br />consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. <br />However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. <br />If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall <br />provide a period of not less than 30 days, from the date the notice is given in accordance with Section 15 within <br />which Borrower must pay all sums secured bythis Security Instrument. If Borrower fats to pay these sums prior <br />to the expiration of this period, Lender may invoke any remedies permitted bythis Security Instrument without <br />further notice or demand on Borrower. <br />19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, <br />Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to <br />the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security <br />Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to <br />reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) <br />pays Lender all sums which then would be due under this Security Instrument and the Nate as if no acceleration <br />had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in <br />enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection <br />and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and <br />rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that <br />Lender's interest in the Property and rights under this Security Instrument, and Harrower's obligation to paythe <br />sums secured by this Security Instrument, shall continue unchanged. Lender may require that Harrower p <br />NEBRASKA--Single Family--Fannle MeelFreddle Mac UNIFORM INSTRUMENT (Pag f 1 <br />Nebraska Ueed of Trust 3028 <br />NE DOT 01101 _ <br /> <br />