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� other fees, the absence of express authority mthis Se�mty Inshvment to charge a specific fee to Borrower shall not ba consuued as a prohibition on tha charging of such fee. Lender may not chazga fees that aze expressly prohibited by this Secunty Instnunent or by Applicabla Law. If tha Loan is sub'ect to a law which setc maximum loan charges, and tUat law is fmally interpreted so that the interest or other �oan chazgas collected or W be collected in connecdon with the Loan exceed the pemtitted limits, then: (a) any such loan charge shall be reduced by the amount nece.s to reduce the charge to the permitted limit and (b) any sums already collected from Barrower wluch exceed�parmitted limits will be refunded to Borrower. Lender may choose to make this rafund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a rafimd reduces pnncipal, the reduction will be teated ac a partial prepayment wiWout any prepayment charge (whether ornot a prepayment charge is provided for �mder the Nota). Boaower's acceptanca of any such refimd mada by direct payment w Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices givan by Borrower or Lender in comiection with this Security Instr�unent must be in writing. Any notice W Borrower in connecNon with this Secunty Insdwvent shall be deemed to hava been g�ven to Borrower when mailed by fust class mazl or when actually delivered to Boaower's natice address ifsent by other means. Notice to any one Borrower shall constitute nohce to ap Boaowers unless Applicable Law expressly requires otherwise. The norice address sha(1 be the Property Addrass unless Borrowar has designated a substitute nottca address by notice to Lender. Boaower shallpromptly norify Lender of Boaower's change of address. If Lenderspecifies a procediue for reporting Borrower's change of address, then Borrower shall only report a changa of adiress t}vough that specified pmcalure. There may ba only ona designated notice address under ihis Security Instivment at any one tune. My notice to Lender shall be given by deliverin it or by mailing it by first class mail to Lender's address stated herein uoless Lender has dasignated another a�dress by notice to Borrower. Any notice in connecxion with this Security Insh�unent shall not be deemed to have been given to Lender until actually received by Lender. If any norica requaed by this Security Instrumant is also required under Applicabla Law, the Applicable Law requir�nent will satisfy the cornespondiag requirement under this Secwity Instrumenk 16. Governi»g Law; Severabllfty; Rnles ofConstruction. This Sec�ity Instrumem shall be govemed by federal ]aw and the law of the jurisdiction in which the Property is loceted. All rights and obligations contained in this Security Instrument are sub'ect ta any requirements and limitations of Applicable Law. Applicable Law might explicitly or miplicidy al�ow tha parties to agree by contnct or k might be silent, but such silence shall not be consutied as a prohbition against ageament by conhacL In the avent that any provision or clause of this Security Instnanent or the Nota conflict� wrth Applicablc Law, such conflict shall not affect other provisions of this Security Instrumant or the Note which can be given affect vrithout the conflicting provision. As used in this Securiry Instrument (a) words of the masculine gander shall mean and mclude corresponding neuter words or words ofthe feminma gender; (b) wards in tha singular shall �an and include the plural and vice versa; and (c) tha word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of theNote and ofthis Security Inswment 1& Transfer of the Property or a Beneticial Ioter�t in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest inthe riy, including, butnot limited to, those beneficial interesls transferred in a bond for deed, conhact for d�installment sales contract or ascrow agreement, the intent of which is the transfer of thle by Borrowar at a firtura date to a purchaser. Tf all or any part of the Froperty or any Interest in the Properiy is sold or transfatred (or ifBorrower is not a natural person and a beneficial mterest in Boaowa is sold or Lansferrecn without Lander's prior written consent, Lender may require immediate payment in full of a11 sums secured by Uris Securi� Instrument However, this option shall not be exercised by Lender if such exarcise is prohibited by AppGcab e Law. If Lendar exercises this option, Lender shall grva Borrower norce of acceleration The notice shall provide a period of not less than 30 days fromtha date the notica is given in accordance with Section 15 within which Boaower must pay all sums secured by this Sec�ity Instrument If Borrawer fails to pay these sums prior to the expiration of this period, Lender may mvoke any remedies permitted by this Seciuiry Inshvment wrthout further nottce or demand on Borrower. 19. Borrower's Right to Reiastate After Aceeleratlon. If Bmrower meets certam condidons, Borrower shall have the right to have enforcement of this Secisity Instrument discontinued at any time prior to the earliest of: (a) five days befora sale of the Proparry p�suant to any power of sale contamed in this Secarity InsUUment; (b such other period as Applicabla Law anght specify fir the termmation of Boaower's right to reinstete or (c; entry of a jud$ment enforcing this Security Inshvment Those conditions are that Bonower: (a) pays Lendar all sums which then would be dua imder this Secisity Ins�ument and tha Note as ifno acceleration had occurred; (b) cures any default of any other �venants or ageements; (c) pays all axpenses incurred in enforcin� dris Sec»uitty Inshwnen� includ'mg, but not lunited m, reasonable attome�+s' fees,,property inspection and valuahon fees, and other feas incurred for thep�upose of protectmg Lender's mterest m the Properiy and rights under this Security Instrvmanfi end (� tekes such action as Lender may teasonebly requira to ass�e that Lender's intere5t in the Property andrights imder this Se�anity Insewnent, and Borrower's obliget�on to pay the simvs secured by this Security Insri�uaent, shall cantinue unchanged. Lendermayrequae that Bmrower pay such reinstatement sums and expens� in one or mora of the following foims, es selected by Lender. (a) cxsh; (b) money order; (c) certified check, bank check, ri�eavurar's chack orcashier's check, provided eny such check is �rawn upon aa institution whosa de�osits ere insured by a federal a�ency, ins�entallty or entity or (d) Electronic Fands Transfer. Upon remstatearentby Borrower, this Secunty Inshvmant and oblige6ons seciued hereby shall remain flilly effective as if no accelecation had occutred. However, this right to reinstate shall not apply in the case of accelaradon under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievaece. Tha Note or a pa►tial interest in the Note (together with this Security Instrumant) can be sold one orraore times without prior notice to Borrower. A sale migtit resuk in a change in the entity (la►own as the "Loen Servicer") that collects Periadic Payments c�ue under the Note and this Security Instrument end performs other mortgage loan servicing obligations under the Note, this Secunty Inswment, and Applicable Law. There also might be one or more changes of the Loan Servicer umelatecl to a sale of the Note. If there is achange oftha Loan Servicer, Boaower will be given written notice of the change which will state the naure and address of the naw Loan Servicer, the address to which payments should be made and any other information RFSPA zequiras in connection with a notice of transfer of servicing. If the Note is sold and thereafter tha Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Boaower will remain with the Loan Serncer or be transferred to a succassor Loan Servicer and are not assumed by tha Note purchacerunles.s othecwise provided by the Note purchaser. NEBRASICA—Single Fem�y—Faunle Mae/Freddle Mac i1NIFORM IN9TRUMENT Form 3028 1Nt (p�e 7 aJ9 pages) 9734.CV (7/11) 4300102607 GY�tiveThinktng, Inc. GOTO(003fe741)