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2� 17�254� !f the Laan is subj�c�to a 1a�r which sets maximum loan charges,and tha�Iaw is fnally interpreted so that the interest or othe�loan charges cvllected❑r�o be c�f[ected in Gonnection with the Lvan exceed the per�mitted I�mits,then:�a}a��y such loan charge shal�be reduced by�he amoun�necessary ta reduGe the charge tv�he p�rmitted��mi�;and�b}any sums already callected frorn Borrower which exceeded permit#ed lim�ts v+r�fl be refunded to BnRvvrer.Lender may choose tc�make#his refu��d by reducing the p�ncipal vwed �nder the N�t�or b�t making a direct payment to Borrower.If a refund reduc�s princ�pal,the�educ�ivn w�l[ be treated as a pa�ia[prepaym�nt w�thou�any prepayment charge��rhether ar not a prepaymen�charge is provided for under the Note}. Borrower's ac��ptance of any suGh�efund made by direc�payment�v Bvr�ower will cvnstitute a�vai�er of any right of actian Barrower m�ght ha�e arising out of such v�ercharge. 'f 5. No�'rces.AI�natices gi�en by Borro�e�ar Lender ir�cannection with this Secu�i�y fnstrument must be in writing.Any notice�❑Bor�ower in conr�ec#ion►nriih�his 5e�urity Instrument shal�be de�m�d ta have beer�giver7 to Bflrrovue�when rna�led by firsf c�ass ma�l or when actua�ly delivered to Barrower's notice address if s�n�by v�her means.Notice to any one Borrower sha[[constitute nvtice tv a�[Borrowers uniess Applicai�le Law expressly requi�es o�henr�ise.The notice address shal[be fh�Praperty Address uniess 8vrrower has designated a substitute notic�address by nvtice�v Lender.Borrower sha[f prom�tly notify Lender of Borrovrer's change o�address.[f Lender spec�fies a pracedure far reporting Borrower's change ofi address,then Borrower sha[f on[y repar�a c��ange af address thrvugh tha�specifed procedure.There may be only vr�e�esignated nntice address under this 5�curity[nstrum�nt at arty ane time.Any nvtice to Lender sha1�be given by d�livering it or by mai�ing it by firs#c[ass mai�to L�nde�'s addr�ss stat�d herein un[ess Lender has designated another address by no�ice to gvrrower.Any notice in�annection with this 5ecurity instrument sha[!not be deemed tv ha�e been given t❑Lender unt�L actuaf[y recei�ed by�ender,if any notice requi�-ed by this Secu�ity Instrumen�is afiso required under App�icab�e Law,the Appficab[e Law req�.iirement wi[�satisfy the corresp�ndir�g requ�rement under this Security lnstrumer�t. 'lf. Governin� La►rv; Sev�rabi�ity; Rul�s of �onstructi�n. This Security Irastrument sha[I be go�e�ned by fede�al�aw and the law of the ju�isdiction in v�hich the Prnperty is iocated.A[[rights and o�ligations contained in th�s Security �nstrum�nt a�e sub�ect to any requirements and limita��ons of Applicable Law.Applicabfe�ar�might explic�tly ar imp�icitly allow the par��es t�agree by contract ar it might be silent,but such si�ence sha�!not be construed as a prohibitivn aga��ist agreernent�y cont�-act. In the eWent that any prov�sian or��ause��his Security Instru�r�ent or the Nate�onflicts with App[icahle Law,such�anfl�c�shall not af�eGt ofher pro�ision�a�th�s Security lns��ument or�he Note which can b� given effect�rithout the cor�f�ic�ing p�ovision. As us�d in this Securify Instrument: �a} words vf the masculin� gender shalf inean and inc�ude cor�esponding neuter v�rords or words o�the feminine gender;{b}►r�tor�fs in the s�ngular shal[mean and inc�ude the plural and��u�rsa;and�c3 the inro�d"may"gives so�e d�scre#ian�vithout any obliga�iat��o take any act�vn. "�7. Bvrrawer`s Copy.Barr�wer shail�e gi�en a�e copy vf the Nate and of th�s 5ecur�ty[nst�umen#. '�8. Transfer vf the Praperty ar a Benef c�at�n�e��st�n Bo�-rnwer:As us�d�n this Section �8, "lnter�st in the Property"means any lega�ar benefcia!inte�est in th�Prvperty,inc[uding,bu�no�limited to,those h�n�f�ia[inter��ts transf�rr�d in a bond f�r deed,cor�tract fvr deed,ir�sta�imenE sa�es contract or escro�agreement,the ir��er�t o�which is the transfer vf t�tie by Bo�ravrer at a future date to a purchaser. �f a�I or any pa�#of the P�ope�y or any ln�erest in the P�ape�ty�s sald❑rtransferred{or�f Borro�rer is not a natural person and a beneficial intere�t in Barrower�s soid vr transferred}�rrithout Lender's pr�or written �ansent,Lender may require itr�mediate payment in f�l�a�al[sum�secured by this 5ecurity Ins#rument. Ho�vever,this❑pt��n sha�l not be exercised by Lender if such exercise is prohibited by App�icahfe Law. i�Lender ex�rcises this aptivn,Lende�shail give Barrow�r notice of acce[�ration.The nafice sha[C provide a periad af no�less than 3D days from the da#��he nvtice is gi�en�n accordance with Section 15 uvi�hin which Barrov�er must pay a�l sums secured b�this 5ecuri#y �ns�rument. lf Borrvwer fails to pay t�iese sums prior tv the expiration of this period,L�nder may in�oke any�-emedies permitted by this Se�urify lnsfrument witl�ouf�urther nvtice ar demand❑t�gar�vwer. 79. E3vr€�a�r�r's Right to Reir�state After Accele�at�an. If Barrvwer meets �e�ain conditions, Borrower shal�ha�e the r�ght ta ha�e en�orcement of this Security Instrument discontinued at any t�me prior to the earlies�of:�a}fiv�days befnre sale vf�he Property pursuant tfl any power of sale cvn�a�ned in this Security Instrument; �b}such other periad as Applicable Law might specify for�he termination o�Barrower's �ight tv reinstate; or 4c} entry o�a judgment enfarcing this Security �nstrument.Thflse canditions are that Borrov,rer: {a}pays Lender al[sum�which then wou[d b�du� under this 5ecurity Instrument and the Note as i�n�a�celeration had oc�urred;�b}cur�s any de�au[t of any vther covenants or agreements;�c}pays al[expenses in�urred in enforcing�his Secur�ty Instrumen�,�n��uding,but nat [imited to,r�asonable attorn�ys'fees,property�nspection and valuativn fees,and vther fees incurred for �he purpvse�f protect�ng Lender's ir�terest in the Prvperty and rights unde�this Security 1ns�rument;and �d}takes su�h action as Lender may reasonably require t❑assure that Lender's interest in the Property and rights ur�der this Security[nstrument,�nd gorrawer's obfigatior�t❑pay the sums secured by this Securi�y lnstrumer�t,s�iall continue unchanged.Ler�der rnay requ�re that Bnrrower pa�such reinstatem�nt sums and expenses in one ar mvre af the following forms,as selected by Lender:�a}cash;�b}maney order;{c}cer#ifed check,bank check,t�easure�'s check vr cash�e�'s check,provided any suGh check�s drawn upon an institution v�rhose deposits are insured�y a federaf agency,ir�strumen�ality ar ent�ty;❑r �d}Electronic Funds Tr�ns�fer.Upon reinstatement by Ba�rawer,th�s Security Instrument and oh�igat€ons secured hereby shall remain fully ef�ective as if no accelerat�an had occurred. Houvever, �hES fi��lt�� reinstate shali not apply in the case af acceleratio��under Sect��n�8. ��. 5a�e vf Nate;Chang�of Laan 5er��cer;Noti�e vf Grie�rance.T��Not�or a partial in��r�st �r�the�vte�together v+rith tl��s Security Instrument}can be so�d one or more times v+rifhout pr�or notice to Bqrrovsrer.A sa�e might�esult in a change in the ent�ty�kno�un as the"Loan Servicer�'}that co�(ec#s NEBRRSKA--Sir�gl�Fami6y--�anr�ie Ma�I�reddi�Mac UNI�ORl1��NSTRUfV[ENT Form 3028'i10'i Ellie Mae,��,G. Page 8 of�� NEUDEED D��S NEUDEE❑�CLS} .y ..v . r ' . � .�