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20120752� (2) Any reference in this Security Instrument to an"E�ibit" or "Schedule" or a"Section" or an "Article" shall, unless otherwise explicitly provided, be construed as referring, respectively, to an exhibit or schedule attached to this Security Instrument or to a Section or Article of this Security Instrument. (3) Any reference in this Security Instrument to a statute or regulation shall be construed as referring to that statute or regulation as amended from time to time. (4) Use of the singular in this Security Instnunent includes the plural and use of the plural includes the singular. (5) As used in this Security "including, but not limited to" or "including, and not a limitation. Instrument, the term "including" means without limitation," and is for example only, (6) Whenever Borrower's knowledge is implicated in this Security Instrument or the phrase "to Borrower's knowledge" or a similar phrase is used in this Security Instrument, Borrower's knowledge or such phrase(s) shall be interpreted to mean to the best of Borrower's knowledge after reasonable and diligent inquiry and investigation. (7) Unless otherwise provided in this Security Instrument, if Lender's approval is required for any matter hereunder, such approval may be granted or withheld in Lender's sole and absolute discretion. (8) Unless otherwise provided in this Security Instnzment, if Lender's designation, determination, selection, estimate, action or decision is required, permitted or contemplated hereunder, such designation, determination, selection, estimate, action or decision shall be made in Lender's sole and absolute discretion. (9) All references in this Security Instrument to a separate instrument or agreement shall include such instrument or agreement as the same may be amended or supplemented from time to time pursuant to the applicable provisions thereof. (10) "Lender may" sha.11 mean at Lender's discretion, but shall not be an obligation. 15. Time is of the Essence. Borrower agrees that, with respect to each and every obligation and covenant contained in this Security Instrument and the other Loan Documents, time is of the essence. Fannie Mae Multifamily Security Instrument Form 6025.NE Page 17 Nebraska O1-11 � 2011 Fannie Mae