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2� 17�2�78 �f the Loan is subject�o a lavv►nrhich sets maximum loan cl�arges,and fhat faw is final�y interpreted sa that the interest�r other loan charges col[ected or to be�ollected in connec��on wsth the Lflan exceed the pe�mitted l�mits,then:�a}any such laan charge shall be reduced by�he amount necessary tv reduce the ��7arge�o the pe�mitted limit;and�h}any sums already cafiected from�orrvwer which exceeded permit�ed lirnits wi!!be re#unded to Borrov�,rer.Lender may choose�o make this re�u��d by r�ducing the principal awed under#he No�e ar by making a dire�t payment to gorrornrer.If a r��und reduGes principal,fhe reductiQn w�l[ be treated as a partia!prepayment without any prepayment charge��vheiher flr no�a�r�paymen�charge is prv��ded for under the Nat�}. B�rror�ver's ac�eptance of any such refund made by direct paymen�tv Borrower wi1[constitute a�ai�er af any right a�actian Borrower might have arising out af such o�ercharge. �5. Notices.Al�notices given by garrower or Lender in connection v�►ith this 5ecurity lnstrument must be in writing.Any natice to Ba�rorrver in connec�ion w�th this Security Inst�ument sha11 be deem�d ta have b�e�i g��en tv Bvr�ovuer when mai[ed by frst class mail or when actua€ly del�vered tv Bor�ower's nQtice address�f sen#by ofher means.Nvt�ce tv any one Bvrra�rer shall canstitute notice to all Ba�rowers un[ess App�icab[e La�v expressly requ��es other�ise.The n�tice address shal�be the Prape�y Address unfess �3orrvwer has designated a substitute natice address by notice ta Lender.Barrawer sha�l promptly natify Lend�r of Borrvwer's change❑f add�ess.If Len�er specifies a procedur�f��reporting Borrower's change ��address,ther�Bvrrower shall vnly�epo�a change of address thrvugh t��a�specifed p�ocedure.There ma}r be on�y one des�gnated notice addr�ss und�r this S��urity�nstrument at any one#ime.Any no#ice ta Lend�r sha�l be giWen by de�ivering it or by mai��ng�t by first class mai�to Le��der's addr�ss sfated here�n un(ess Lender has designated another address by notice t�Borro�er.Any notice in connec#ivn w�th this Security Instrument sh�li not be d�emed tv ha�e been giver�to Lender unt��actually received by Lender,If any notice required by th�s 5ecurity[nstrument is also r�quired under Applicable Law,the App�i�ab�e Lavtir requirernent wi[I satisfy t��e corresponding requirern�nt und�r t�iis Security�nstrurne�3t. '��. Gaverning La►�; SeWerability; Ru�es n� ConsEruct�an. This Secur�ty [nstrumen� shall be go�erned by federal�aw and the lawr of tne juris�ic�ian in which the Proper�y is lacafed.All rig��ts and ob[igat�ons contained in this Se�uri�y Ins�rument are subject t� any requirements and limifa�ions �f App[icable Law.App#�cable Law might expl�c�tly❑r imp�ici�iy al�av�#he pa�ties to agree hy contract a�i� m�ght be s�Een�,but such silence shall nut be canstrued as a prohib�tion against agreement by cant�act. In the evenf#hat any prav�sion vr�iause of#his�ecurity Instrument or the No��car�flicts with Applicable Law,such conflict shal�nat af#ect o�her prv�is�ons vf tE��s Security If�st�ument ar the�lote which can be gi�en e�fect without the canflicting p�av�sion. As used ir�this Secu�ity �nstrument: �a� r�vords of the mas�u��ne gerider sha11 mean and ir�cfude corresponding neuter words or words of the feminine gender;�b}wo�ds in the s�ngufar sha�l m�an and inc�ude the plura�and Wice v�rsa;and�c��he vzrard"may"gir�es so�e d�scretion without any�b[igat�a��to take any actian. 77. gflr€�ov�er's Copy.Borr�wer shalt be giWer�one c�py vf the Nate ar�d fl�this Security Ir�strument. '�8. Transfier of�he Property or a Ber�efcia!Interes�in Bvrrower.As us�d in this Se�tion '1�, "Interes�in fhe Praper�y"means any�egal or benefic�al interest in the P�-aperty,including,but n�t timi��d #fl,�h�se benef�ia�interests transferred in a bond for deed,cantrac�for deed,ins�al�ment sales cont�a�t ar es�rovr agreemen�,the intent o��vhich�s�he#ransfe�o�title by Borrov,�er at a future da�e to a�ur�haser. �f a��nr any part o�the Prape�y or ar�y fnterest�n the Prap��y is sa�d ortransferred�or��Bvrra�r�r�s not a natural person and a t�eneficia!€nterest in Barrower is so�d❑r transferred}��vit��out Lender's pri�r►r�rit�en cvnsent,Lender may r�quire ir�rmediate paymen�in full of all sums secured by th€s Se�urity Instrument. However,th�s❑ption shall nvt be ex�rcised by Lender i�such exercise is prohibited by Applicable La�r. If Lender exer�ises this optivn,Lender shall give BvR�wer notice a�accele�atian.The no�ice shall provide a perivd of not fess than 3a days�rom the date the na�ice is given�n accardance with Se�#ion '#5 v�rithin which Borrvwer mus�pay al�sums secured hy this 5�cur��y�nstrument. If Barrower fai�s�o pay these sums prior ta the expiratian of th�s per�od,L�nder may invoke any remedies per�r��t�ed by�his Security lnstrumen�witt�aut�ur�h�r notice or dernand�n Bor�owe�. 'i9. Bvrrvwer's Ri�ht ta �eins#ate �4fter�cce[eration. If�orrawer meets cer�ain C4ndl�l�n5, Bo�rvwer shall haWe the right to haWe er�forcement of this S�curity�nstrum��it discontinued at any time pr�or to the ear�iest of:�a}five days befvre sale of the Proper�y pursuant to any power of sa�e con�ained in this S�curity �nstrumer�t; �b�such other pe�iad as Applicabie Law might s�eci�y far the termina�ian af Bvr�awer's right to reinsta�e; or�c} entry of a judgment enfarcin� this Security Instrurnent. Those cvnditians are tha�Bvr�awer: �a} pays Lender a[I sums which then��r�uld be due under this 5ecurity Ins�rument and the Nvte as i�no acceleration had occur�ed;{b}cures ar�y defauf�af ar�y othe�cavenants ar agreemen�s;�c}pays all exp�nses incurred in enfvrcing this Se�urity Instrument,including,but not limited to,�-�asonab�e attorneys'fees,prvperty inspection and�a[uativn�ees,and o�her fees incu�-red fa� the purpose of protecting Lender's�nte�e�t in the Proper�y and r�ghts under this Security Instrument;and �d}#akes sucf�action as Lender may reasonab[y requ�re to assure that Lender's interest in�he Property and rights under this��Gurity I��strument, and BorroV�er's ob�igation#v pay the sums secured by this Security Instrument,sha�l contir�ue unchanged.Ler�d�r may�equire that�3orrvwe�pay such reir7s#atemer�fi sums and expenses in one vr more o�the foilowing farms:as selected by L�nd��:�a3 cash;�b}mvney ard�r;�c�certif ed check,bank check,treasurer's check or cashier's che�k,prov�ded any su�h che�k is drawn upon an inststution vuhose depos�ts are�nsured hy a federal ag�ncy,ins#�umen�ality or en��ty;or �d}E�ectranic Funds Trans�er.L1pon re�nstatement by Ba�rower,th�s Securi�y Instrument and obligatiot�s secured hereby shal[�emain fulLy e�fective as if no acceleratiari had occurred. Hvvvever, this right to reins�ate shal�n�t apply in�he case��ac��leration unde�Section 1 S. ��. Sa�e vf No�e;Change of Loan 5ervic�r;Noti�e af�rie►rance.The Note❑�a partial int�rest in the Na�e�together vsrith this S�curi�y[nstru��en13 can be so�d one or more times w�thout prior nvti�e to B�rrawer.A sale might result in a change�n the enti�y�knoivn as the"�oan Senr�ce�"}that co��ects NEBRASKA--Singf�Family--�at�r�ie Ma�l�redd�e Nlac U[Vf�DRM INSTRUMENT Fvrm 3U28�t��1 Elfie Mae,Inc. P�ge 8 of'�� NE�DEEQ 0415 NEUDEE❑(CLS} � . ,. . :. � • r � "'