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2o1ios�o5 other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed �s a prolubition on the charging of such fee. Lender u�ay not charge fees that are expressly pro3ubited by this Security Instrument ar by Applicable Law. If the Loan is suUject to a law which sets �ximum loaa cbarges, and tl�at law is finally interpreted so �at the interest or other loan charges collected or to be coilected in connection with the Loan e�cceed the permitted limits, then: (a) any such loan charge shall be reduced by the a�unt aecessary to reduce the char to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits wi�be refunded to Borrower. Lender �y choose to make this refund by reducing thepnncipal owed under the Note or by making a direct payment to Boxrower. If a refund reduces pnncipal, the reduction will be treat� as a partial prepayment without any prepayarent charge {whether or not a prepayment charge is provided forunder the No#e). Bonower's �cceptance of any such refuad made by direct paymeat to Borrower will constilute a waiver of any right of actian Bortower might have arising out of such avercharge. 15. Notices. All notices given by Borrawer or Lender in cona�tion witli this Seciuity Iust�u�nt must be in writing. Aay notice ta Borrower in cannectian with this Security Insirument shall be deenied to have b�n g�ven to Borrower when �iled by first class �il or when acivally delivered to Borrower's notice address if sent by other means. Norice to any one Borrower shall constitute not�ce to all Borrawers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Bonower has designated a substitute notice address by notice to Lender. Borrower shall pron�ptly notify Lender of Bonower's change of ad�ess. If Lender specifies a pracedure far reporting BoYrower's change of address, then Borrower shall only report a change of address through that sgecified procedure. There �y be anly one designated notice address under this Seci�rity Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class �.il to Lender's address stated herein unless Lender has designated another address by notice ta Borrower. Any nofic� ia connection with this S�urity Instruu�nt shatl not be deeuied to have been given to Lender until actually r�eived by I.ender. If any aotice required by this Security Instru�nt is also required uader Applicable I.aw, the Applicable I.aw requir�nent evill satisfy the corresponding requirement under this Security Instrumen� 16. Governing Law; Severability; Rales of Construction. This Security Inst�ument shall be govemed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligatians coatain� in this Security Inslni�nt are suLa'�t to any requirements and limitations of Applicable Law. � plicable Iaw might exphcrtly or implici#ly allow the partYes to agree by contract or it might � silent, but such si ence sha.11 not be construed as a prohibition against agreement by contract In the event that any provisioa or clause of this Security Instrument or the Note conflicts with Applicable I,aw, such canflict shall not aff�t ot�r provisions of this Security Iusttwx�at or the Note which can be given effect without the contlicting pravisian. As used in this Security Instrument: (a) words of the masculine gender sha11 mean and include conesponding neuter words or words of i�e feminine gender; (b) words in the singular sha11 �an and include the plural and vice versa; and (c) the word "u�y" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Bonower shall be givea oae copy of the Note and of tlus Security Instnmient. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Properiy" means any legal or beneficial interest in the Pr , mciuding, but not limited to, dlose beueficial iaterests transferred in a boad for deed, coniract for de�tallmeut sales cantract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If atl or any gart of the Property or any Interest m the Property is sold or taansferred (or if Borrower is not a natural person and a b�eficial interest in Borrow� is sold or transferred) without Lender's priar written consent, Lender �y require immediate gayment in full of all sums secured by fihis Security Instrument. However, thisoption shall not be exercised by Lender if such exercise is prohibited by Applicable I,aw. If Lender exercises ttus aption, I,ender shall give Borrower noUce of acceleration. The notice shall pmvide 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 by this Security Instrument If Borrower faiLs to pay these s�ns prior to the expiration of th�s period, Lender �y mvoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reiastate After Acceleratian. If Brnrower m�ts certain conditions, Borrower shall have the right to have enforcement of this Security Instcv�at discontinued at any time prior to the earliest of: (a) five days befare sale of the Property pursuant to any power of sale contained in this Security Inst�ument; (b) such other period as Agplicable Law might specify for the terminatian of Barrower's right to reinstate; or (c) entry of a judgment enforcing this Security Insmiment. Those conditions are tli�t Borrower: (a) pays Lender a11 sums w}uch then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other crovenants or agreeinents; (c) pays all expenses incurred in enforcing this Security Instrument, includiag, but not limited to, reasonable at�omeys' f�s, pro�x,�rty inspection and valuation fees, and other f�s incurred for the puzpo� of prot�ting Lender's mterest m the Praperty and rights under this Security Instn�ment; and {d) takes such action as Leader �y reasonably require to assure that Lender's interest in the Properly and rights under this Security Instrument, and Bonower's obligation to pay the suu�s secured by this S�unty instrument, shall cantinue tmchanged. Lender �y r�wr e that Borrower pay such reinstatemeat sums and ex�nses 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 institutioa whose degosits are insured by a federal a�ency, inslrumentality or entity; or (d) Electronic Funds Transfer. Upon reuvstate�nthy Bairower, this Se,ciuzty Insirument and obligations secured hereby shall remain fully effective as if no aaceleration had occurred. However, this right to reinstate shall not apply in the c�,se of accsletatioa under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial mterest in the Note (together with this Securiiy Instru�at) can be sold one or more times without prior aotice to Borrower. A sale might result in a change in the entity (tmown as the "Loan Servicer") that collects Periadic Pay�nts due under the Note and this Security Instrument and perfarms other mortgage loan servicin$ abligations under the Note, this Secun'ty Ins�nt, and Applicable Law. T'here also might be one or more changes of the Loan Servicer unrelatec� to a sale ofthe Nate. If there is achange ofthe Loan Servicer, Borrawer will be given writtea natice of the change which will state the na� and address of the new Loan Servicer, the address to wtuch paymeats should be �de and any other information RESPA requires in connection with a notice of transfer of serviciag. If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other thaa the purchaser of the 1Vote, the rc�rtgage loan servicing obligations to Borrower will re�in with the Loan Servicer or be transferred to a successor Loan Senricer and are not assumed by the Note purchaser unless otherwise �ovided by the Note purchaser. NEBRASKA—Single Family—Faonie Mae/Freddie Nfac iTNIFORM IN3TRUMENT Modi�ed Form 3028 UQl (page 7 of 9 poges) 2zoso.cv (8/r i) 1a-162s Creative Thioldng, Inc. C.OT�W2c7e7d}