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2� 17� 1139 L�AN#:o�oo�7��s� lf the Loan is sub�ec�#o a[aw which sets maximum loan charges,and that#aw is f nally interpreted sv fhat the interest or ather�oan charges cvl�ect�d vr tv�e cv�Iected in connectian v�rith the Laar�exceed the pet�mit�ed fim�ts,ihen:�a}any such�oan�harge shall be reduced by the amaunf necessary#o reduce the c�7arge#v#he permitted limit;and�b}any sums already co!lected€rom Bflrro►�verwhich exceeded perr��tted I+mits will be refunded ta gorrawe�.Lend�r may chaase ta make this r�fund by reduc�ng the p�ncipal owed urtder the Nvte ar by making a direct payment tv�v�rower If a refund redu�es principal,the reduction►►vil1 be treafed as a partial prepayment without any pr�payment charge�whether vr not a prepayment charge is pro�ided for under the Note}. Barrower's acceptance v�any suc[�refund made by dire��payment ta Borrawer wil�c�nstitute a wai�er af any right v�a��on Bvrrvwer might ha�e arising out of such o�er�harge. 7 5. Notices.All notices given by Borrvwer a�Lender ir�cannectian with this 5ecurity Instrument must be in w�iting.Any nvtice�o�or�ower in connection wit��his Security Instrument shall be d�emed t❑ha�e beer�giWe��a Bor�-awer when ma�led by frst c�ass mail or when a�tua[�y de�i�e�ed to Borrawer's notice address if sent by other means.Notice to any one Borrawer sha�l canstitute natice ta a�l Borrowers unless Applic�ble La►�v exp��ssly requir�s o�herwise.The nofice address shal�b�the Prope�y Add�ess unless Barrawer has des�gnated a substitute not�ce address by natice t❑Lender.Borrower shall p�romptly not��y Lender of Borrvwer's change a#add�ess.If Lender spe�if�s a procedure for reporting Borrvwe�'s change of address,then Borrower sha�!anly�eport a�hange of address through�hat spec�f ed pracedure.There may be aniy one designated nvtice address und�r this 5ecurity Instrument at any one time.Any nvtice ta Lender sha[�be given by defi�ering i�or by ma�fing it by firs#�lass mail ta Lender's address stated her�in unless Lender has designated anather add�ess by notice to Borrvwer.Any no�iGe in connection wi�h this Securi�y Instrume�t shalC na#be deemed to ha�e been gi�en to Lender unti�actual[y recei�ed by Lender.1f any no��ce requ�red by�hi�Security Instrument is a�sv required under App[icable Lal►v,the App!€cable La►vv requ�rement will satisfy the carres�vr�ding requ�rement under this Security�nst�ument. "�fi. Ga�err�ing �a�nr; Severability; Rules vf ��nstructivn. This 5e�urity instrum�nt sha11 be govemed by federa�[aw and the law of the jurisdiction in which�he Property is locafed.A��rights and ob�igations cantained in th�s Security �nstrument are subject to a►�y requi�-ements and limita�ions a� App�icah[e La►rv.App�icabie Law might exp(icitly❑r irr�pl�c�tl�r allow#he par�ies to agree by contrac�or it might be silent,�ut such s��ence shal[not he construed as a prohibi#�on against agreem�nt hy con�ract. In the euent that any provision or claus�af th�s Security Instru�nen�or the Note conflicts►�ith App��cable Law,such�on�iict shall not affect aiher provisi�ns o'�this 5ecurity lnstrument or the Nvte►►vhich can be given�ffe�t without the conflic#ing provisivn. As used ��7 th�s S�curify Instn.�ment: �a}wards of the masculine gender sha[! mean and include �fl�responding neuter�►vords vr wvrds af the�eminine gender;�b}vvards�n the singula�shal�mean an� �nc�ude the plural and�ice versa;and�c3 the ward"may"gi�es sofe discretio�without any ob��gatian to take any a�tion. 77. Borrower's C�py.Barro�ershal�be given one capy ofthe Note and�fthis Security Instrument. '�8. Transfer v��he�'�ope�y nr a Beneficiai Interest in Borrower.As used i€�ihis Sectiat� �8, "interest in the Pr�perky"means any legal vr�eneficial�n�erest in#he Prvper�y,including,bu�not iim�ted to,those beneficia�int�rests�ransferred in a bond far deed,con�ra��far deed,�nstallment sales contract or escrow agreement,ftle intent ofwhich is�he transfer�ft�fle by Bvrro�rer at a future date�o a purchas�r. I�all vr any part of�he Property or any Interest in fhe P�ope�#y is sald ortransferred{or i�Borro�rer is no� a naturat person and a t�enef c€a!inte�est in gv�rnwer is soid vr transfeRed}wi�hout Ler�der's prio�wri�te�� cansent,Lender may�equire immediafe payment in ful!vf a��sums se�ured by this Securi�y Inst�ument. However,this option shall not be exercis�d by Lend�r if such exe�cise�s prohib�ted by App�icabie La�rv. !f L�nder�xE��ises this option,Lender sha!!g�ve So�ravrer noti�e of accel�ration.The natic�shall prv�ide a periad of nat�ess#han 3Q days frvm ihe da�e th�n�#ice is given in accordance wi�h 5ectivn '€5 within which Borraw�r must pay all sums secure�#hy this 5ecurity�nsfrument. If Borrow�r faiis to pay these sums prior ta the expirat€on of#his period,Lende�may�nvok�any remedies permitted by this Securit�Instrument wit)�nut further notice or demand on Borrower. '��. Barrower's Right t� Reinstate After A��elerat��n. If Bvrrow�r meets ce�ain conditions, Borro►rver shall haWe the right�o ha�e enforcemen�of this Security Instrument discontinued at any time priar�o the ear�iest v�:�a}five days be�ore sate of the Prvperty pursuan�to any pvwer a�sale cvntained �n this Security lnstrument; �b}such oth�r period as Applicable Law might specify for the term€nativn ❑f Bvrrvwer's right to reinsta�e; or�c}�nt�y of a judgment enforcing this Security �nstrument.Those �vndit�vns are that Bvrrower: �a}pays Lender al�sums�nrhich then�nrvuld be due under this 5ecurity �ns�rument and�he No�e as if na acceleration had occurred;�b}cures any defau�t of any other covenants or agreements;�c}pays a�l expenses incurred in en�orcing�h�s Security Instrumenf, including,buf no� lirnited ta,reasonab�e attomeys'fees,prape�ty inspection and�a�uatian€e�s,and❑th�rfees incurred for the purpose of pratecting Lender's interest in the Pro�erty and rights unde�this Secur�ty Instrument;and �d}takes such actian a�Lender may�reasonabiy require fo assu�e that Lend�r's inierest in the Property and righ�s und�r this Security lnst�ument, and Borrowe�'s obligation#o pay the sums secured by this Security Instrumen#,shal�continue un�hanged.Lendermay require that Sar�awer�pay such reinstatement sums and exp�nses in one o�more vf the�alfawing forms,as sefected by Lend�r:{a}cash;�b}maney order!�c�certifed che�k,hank check,�r�asurer's check o�cashier's check,pro�ided any such Gheck is drawn upon an insti�uti�n whose depvsits are insured by a#edera�agency,instrumentality vr entity;or �d}E�ectronic Funds Transfer.Upon reinstatement by Borrower,th�s Secur�ty�nstrument and obligations secured hereby shall remain fuily effective as if nv accelerat�on had �ccurred. Howe�er,this right t� �einstate sha[[��v�apply in the case of ac�eleratio��under Sectivn�8. � 2U. 5ale vf Note,Change vf Loan 5ervicer;Notice of Grie�anc�.Th�Note or a partial int�r�st in the Note(tvge�her with this Security Instrument}can be sv�d one or more times withvut p�ivr notice to Bvrrovuer.A sal�might result in a change in the en�ity�kno►nrn as�h�"Lvan 5ervi�er"}tha#coff�cts NEB�AS�{A--Singi�Family--Fanni�NlaelFr�ddi�Mac UNLFqRM 1NSTRUi1HENT �'orm 3�28�il�3 EI(ie Mae,�nc. Page 8 af�� NEUDEE!]�CLS� D2l1312�17 19:33 AM P5T . � .