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201008015 the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such vvercharge. 15. Notices. All notices given by Borrower or Lender in connectipn with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower 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 natice 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 promptly notify Lender oF Borrower's change of address. If Lender speci�es a procedure for reporting Borrower's change of address, then Bonower 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 notice to Lender shall be given by delivering it or by mailing it by �rst 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 be deemed to have been given to Lendar 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 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 lirnitations of Applicable Law. Applicable Law might explicitly 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 or the Note conflicts with Applicable Law, such cvnflict 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 Security lnstrument: (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 the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any �ction. 17. Barrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Bene�cial Interest in Borrower. As used in this Section 1$, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those bene�cial interests transferred in a band for deed, contract for deed, installment sales contract or escrow agreement, the �ntent of which is the transfer af title by Borrawer at a future date to a purchaser. If all or any part of tha Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a bene�cial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require irnmediate payment in full of all sums secured by this Security Instrument. However, this option sl�all not be exercised by Lender if 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 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 fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice nr demand on $orrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument disco�atinued at any time prior to the earliest of: (a) five 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 terminatio❑ of Borrower's right to reinstate; or (c) entry of a judgrnent enforcing 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; (b) cures any default of any ather 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 other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) 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, sha11 continue unchanged. Lender may require that Borrower pay such reinstatament sums and cxpensas in one or more of the following forms, NEBRASKA- Single Family - FannieMae/FreddieMac UNIPORM INS7RUMENT Form 3028 1/01 Laser Farms Inc. (800) 446-3555 LFI#FNMA3028 4l02 Page10 of 13 �f11t18�S