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2� 17� 1 �59 If the Laan is subje�ta a�a►�v v►rhi�h se�s maximurn loan charges,and�hat law�s final�y interpreted sa that the in�erest or ather loan charges co![ected or ta he ca�fected in�annectian with the Lvan exceed the permitted limits,then:{a}any such loan charge shal[�e redviced by the amount nec�essary ta reduce the �harge�a the per�nit�ed limit;and�b�any sums al�eady colle�ted from Bo�rower which exceeded permi�ted ��m�ts wil[be refunded�o Ba�ower.Lender may choose tv make th�s re�und by reducing the p��n�ipal nwed under the Note ar by making a di�ect payment t�Bor�ovr��.1f a refund reduces p�ncipal,�he�edu�tivn will be treated as a partia[prepaym�nt without any prepayment charge�►r�hether vr not a prepaymen�charge �s pra�ided�for under the Not�}. Ba�rower's acceptance af any such refund rnade by direc�paymenf ta garrowerw�lf cans��tute a wa��ero€any right vf actiar�Borrower might have arising out o#suc�❑�ercharge. �5. Notiees.A(!natices gi��n by Borrower or Lender in connec#ion with this Security lnstrument must be in writ€ng.Any noti�e tfl Sor�-awe�in cvnnection wi�h�his 5ecurity Instrum�nt sha(I be deemed#o hav� beer�given#v Borrower when mailed by first r�ass mail or when actual[y deli�er�d tv Borrawer's natice add��ss€f sent by other means.Notice to any ane Bor�ovver shal�c�nst�tute notice to a�!Bvrrowers unless Applicable Law expres�fy requires otherwise.The nofice address shail be the Prvpe�ty Address unless Borrower has designated a substitute natice add�ess by natice to Lender.BorravErer sha[[prompt�y notify Lender of Borro�nre�`s change of address.Lf Lende�specif es a p�oGedure for reporting Borrowe�'s change ❑�address,then Borrawer sha��on[y r�port a change flf address thrvugh tha�spe�ified pracedure.There may be on[y o�e designated notice address under this Security�ns#rument at any one�ime.Any natice to Lender sha[[be gi�ren�y deliverin�it or by mai�ing it by f�rst class mail tv Lender's address stated herein un[ess Lender has designa�ed ano�her address by notice to Borrawer.Any nvt�ce in cflnnection with th�s Secur€ty Insirument shall not be deemed to haWe been gi�en to Lender until ac�ually�ece�ved by Lender.i�any nvtice required by this Secu�ity[nstrumen�is alsv r�quired under Applicabfe Law,the Appticab[e Law req4�irement wi�!sat�sfy the correspond�ng requirement under th�s Security lnstrument. 7�. Govern�ng Law; Se�erability; Ru�es o€ Constructivn. This Se�urity lr�st�um�nt shall be goWemed by federal law and�he law of�he�uris�iction in v�rhich the Property is[o�a#ed.Ali righ�s and obiigat�vns contain�d in th�s Securi#y �ns#n.rment are sub�ect to any requirements and limitations of Applicable Lav�r.Applicabie La�r might explic�t�y o�ir�pli�itly allow the par�ies to agree by cant�rac�or it m�ght be s�lent,but such silence shal!not be construed as a prohib�tion against agreement by contract. In the event#hat any p��visian vr c�ause afthis 5ecu�-ity Instru�nen�o�the Nate cvnflicts with Appii�abte Law,such conflict shall nvt a�fec#�ther prvvisivns o�this Secur�ty Insfrument❑r the Nate which can be giuen effect withvut the canfi[cting p€�o�is�on. �s us�d in t#��s S�curi�y Inst�ument: �a}wvrds of the mascu[ine gender shai� mean and includ� corresponding neufer wards or wvrds of the femin�ne g�nder;tb}wvrds�n the singu�ar shall mean and inc�ude fhe piural and�ice versa;and�c}the word"may"giWes sa�e d�scretion without any❑b��gatifln to take any activn. 77�. Borra�er's CoRy.Borr�wer shal{be gi�en one copy o�the No�e arid nf#his 5ecurity l��strumen#. '!8. Trans�e�of�he Prv�erty vr a Benef cial In�erest in Bvrrower As used ir�this S�ction �H, "�nt�rest in th�e Property"means any legal or benef�cia[interes�in the P�vperty,including,but nat limit�d tv,tf�vse benefcia�fn�er�sts transferred in a bor€d f�r deed,�ontrac#€vr deed,insta�lment sales�ontrac� v�esc�ou4,r agreemenf,the�ntent of wh�ch is the transfer o�title by Bor�ov+rer at a future date�o a purchaser. 1��l�or any par�ofthe P�op��#y or any lnt�rest in the Prvperty�s soid ar#ransf�rred(or if gor�flwer is n�t a na�urai�ersvn and a benef��al in#er�st€n B�rrav�re�€s so�d or transferred}w€thvut Lender's privr writ��n cvns�nt,Lender�nay require immediate payment in#ufl of a�i sums secured by this Security Instrumer�t. However,this optivn shall nvt be�xercised by Lende�if such�xercise is p�ohibited by Applicable Law. If Lend�r�xercises this nptinn,Lender sha�l gi�e BoRower no�ice vf aC�ele�ation.The notice shal� prvvide a perivd of not�ess than 30 days fram the date the natice is given in accordance v�r�th Sectian �5 witfiin whic� So�rower must pay ail surr�s secured by this 5ecurity�nstrument. tf Borrower fai[s to pay thes�sums pr€or fo the expiratian�f this period,Lender may in�vke any remedies pe�mitted by�his Security lnstrumen�wit��out�ur#her notice vr demand❑n Ba�rower. �9. Svr�vwer's �2ight tv R�:instate Aft�r Acceteratian. if Barra►nre� meets cer�ai�� conditions, go�rawer shall have the r�ght#o fiaWe enfarcement af this Secur�ty ins#rument discontinued at any t�me priv�tv the ear��est of:�a}five days b�'�vre sa��vf the Property pursuant tv any pvv�er vf sale Gvntained in this 5ecurity Ins#rument; �b}such other peri�d as Appl€cable Law might specify fflr the terminat�vn �€Barrowe�'s right tv �einstate; or�c}entry of a judgment enforcing this Securify �nstrument.Those c�ndifions a�e that Bvrrower: �a} pays Lender ati sums which then wvuld be due under this 5e�u�i#y lns�rument and the Note as��na aGcelerafian had accurred;{b}cures any defau��af any vther co�renants vr agreements;�c}pays all expenses incur�ed in enforcing this 5e�urity�nstn.�ment, including,�ut nv# limi��d to,r�as�nabie attameys'fees,property inspection and Waluation fees,and other fees incurred for fhe purpose of p�ote�ting Lender's interes�in the Prvpe€ty and rights under this Security lnstrument;and �d}takes such acti�n as Lender ma�reasonab�y req€�ire t�assure that L�nder's interest in the Property and righ�s under this Security[nstrum�nt, and Borrvwer's abligativn#o pay the sums secu�ed by this Se�urity lnstrument,sha��c�ntinue unchanged.Lender may require that Sarrower pay such re�ns�atement sums and exp�nses�n one vr more af the follawing forms:as selec�ed hy Lender:�a}cash;(b}mvney order;4c�certifed check,bank check,t�easurer's check ar�ashier's check,pra�ided any such che�k is drawn upr�n an instifution whose deposits are insured by a�federa�agen�y,instrumenta�ity or entity;or �d}E[ec#ronic Funds T�ansfer.Upon reinstatement by Barrower,�his Securify lnstrument and ab�igations s�cured hereby sha11 remain fu�ly ef�ective as €€no acceferation had vccurred. Howeve�, this right�o reins�ate shali not app�y in the case of acc�le�at€o��under Sectivn�8. �0. Sale vf Nate�Chang�t�f Lvan 5�r��eer;Nvt�ce of Grievance.The Note or a par#i�1 interest i��the h��te�together v+r�#h this Secur�ty lnstrument}can be sald ane ar more times►�ithaut prio�notice �a Barravrer.A sale might result in a change in the en�ity{knvwn as the"Loan Servicer"}tha#colle�ts NEgRASKA--Singl�Family--Fannie MaefFreddie Mac�NIFQRM tNSTRUMENT Fvrm 3a28'f1�1 E61ie Mae,�r�c. Page 8 of�0 NEU�EE� 0415 NEU�EE❑�CLS} . �.` r