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20�� Note). Borrower's acceptance of any such refund made by direct payment to Bonower will constitute a iver of any right of action Borrower might have arising out of such overchazge. 15. Notices. All notices given by Bonower or Lender in connection with this Security Insttument must in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have :n given to Borrower when mailed by first class mail or when actually delivered to Bonower's notice Iress if sent by other means. Notice to any one Bonower shall constitute notice to all Bonowers unless plicable Law expressly requires otherwise. The notice address shall be the Property Address unless rrower has designated a substitute notice address by notice to Lender. Bonower shall promptly notify ider of Bonower's change of address. If Lender specifies a procedure for reporting Borrower's change of Iress, then Borrower shall only report a change of address through that specified procedure. There may be y one designated notice address under this Security Instrument at any one time. Any notice to Lender shall given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender , designated another address by notice to Bonower. Any notice in connection with this Security Instrument �ll not be deemed to have been given to Lender until actually received by Lender. If any notice required by > Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed federal law and the law of the jurisdiction in which the Property is located. All rights and obligations �tained in this Security Instrument aze subject to any requirements and limitations of Applicable Law. plicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but h silence shall not be construed as a prohibition against agreement by contract. In the event that any �vision or clause of this Security Insttument or the Note conflicts with Applicable Law, such conflict shall affect other provisions of this Security Instrument or the Note which can be given effect without the �flicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include responding neuter words or words of the feminine gender; (b) words in the singular shall mean and include plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any 17. Borrower's Copy. Bonower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest the Property" means any legal or beneficial interest in the Property, including, but not limited to, those ;neficial interests transfened in a bond for deed, contract for deed, installment sales contract or escrow ;reement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Properly is sold or transferred (or if Bonower is not natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written �nsent, Lender may require immediate payment in full of all sums secured by this Security Instrument. owever, this option shall 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 ovide a period of not less than 30 days from the date the notice is given in accordance with Section 15 ithin which Bonower must pay all sums secured by this Security Instrument. If Borrower fails to pay these ms prior to the expiration of this period, Lender may invoke any remedies permitted by this Security strument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Bortower meets certain conditions, Bonower all have the right to have enforcement of this Security Instrument discontinued at any time prior to the rliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security strument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to instate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Bonower: ) pays Lender all sums which then would be due under this Security Instrument and the Note as if no celeration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses curred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, operly inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably quire to assure that Lender's interest in the Property and rights under this Security Instrument, and �rrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender ay require that Bonower pay such reinstatement sums and expenses in one or more of the following forms, iBRASKA- Single Family - FannieMae/FreddieMac UNIFORM INSTRUMENT rm 3028 1/01 ;er Forms Inc. (800) 44Cr3555 #FNMA3028 4/02 Page 10 of 13 Initials: