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20��0697� other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be, construed as a prohibition on the chatging of such fee. Lender may not chatge fees that aze expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connecrion with the Loan exceed the permitted limits, then: (a) any such loan charge sha11 be reduced by the a�unt necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund b� reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces pruicipal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower wrll constitute a waiver of any right of action Bnrrower might have arising out of such overchazge. 13. Notices. All notices given by Borrower or Lender in connection with this Security Instclunent must be in writing. Any notice to Borrower in connection with tlus Securi� Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually de 'vered to Borrower's norice address if sent by other means. Notice to any one Borrower shall constitute notice to a11 Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute norice address by notice to Lender. Borrower shall. promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address tbrough 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 first class ma.il 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 Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requireanent will satisfy the corresponding requirement under this Security Insta�ument. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be govemed by federal law and the law of the jurisdiction in which the Property is located All rights and obligations contained in this Security Inst�vment are subject to any requirements and limitations 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 constnzed as a prohibition against agxesment by conlract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict 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 Instrument: (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 action. 17. Borrower's Copy. Borrower 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 in the Property" means any legal or beneficial interest in the Properly, including, but not 1'vnited to, those beneficial interests transferred in a bond for deed, conlract for deed, installment sales contract or escrow agreement, 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 Properly or any Interest m the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Bonower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sutus secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is �rohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower norice 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 �ay all sums secured b� this Security Instrument If Borrower fails to pay these sums prior to the expiration of t�us period, Lender may mvoke any remedies permitted by this Security Instrument without further ttotice or demand on Borrower. 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 discontinued at any time prior to the eazliest of: (a) five days before sale of the Properly pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Bonower: (a) pays Lender all sums wtuch then would be due under this Security Instrument and the Note 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 Insttvment, including, but not limited to, reasonable attorneys' fees, properiy inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's mterest m the Property and rights under this Security Instrvment; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Pro�erty and rights under this Security Instrument, and Bonower's obligation to pay the sums secured by this Secunty Inshwnent, shall continue unchanged. Lender may requu'e that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instiumentality or entity; or (d) Electronic Funds Transfer. Upon reuistatement 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 Loaa Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instcvment) can be sold one or more times without prior notice to Borrower. A sale migtit result in a change in the enrity (known as the "Loan Servicer") that collects Periodic Pay�nts due under the Note 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 unrelatec� 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 paymants should be 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 aze not assumed by the Note purchaser unless otherwise provided by the Note purchaser. NEBRASKA—Single Family—Fannie Mae/Freddie Mac iJNIFORM INSTRUMENT ModiBed Form 30281/Ol (page 7 of 9 pages) 22o5o.CV (S/11) 03-1192 Creative Tltinldng, Inc. GOTO(0o2b64f9)