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2� 17�2874 lf the Lflan is subjec�to a(aw which sets maximum Ivan�harges,and that law is f nally interpre�ed so that fhe interest or vther ioan charges cvl�ected❑r ta be co�fected in cvnnec#�vn with�he Loan exceed the permitted limits,then:(a}any such loan charge shal!be reduced by the amount necessary to r�duce the charge ta the permi�ted limit;and�b}any sums afready c�l�ected frvm Bvrrowerwhich exceeded permi�t�d lirnits vvi�i be re�unded tv BoRnv�er.Lender may chaose t�make this refund by reducing th�p�ncipal owed under the Note�r by making a d�re�t payment�v Barrower.if a refund reduces p�ncipal,the reductian wi�1 be trea�ed as a par�ia�prepayment withvu�any prepay�nent charge��rvhether or not a prepaymen�charg� is provided�or und�r the IVote}. Ba�rvwe�'s acc�ptance af any such refund made by d�rec�payment to Bv�rower wil�const�tute a wai�er o�any right of action Borrvwer might have arising out of such overcharge. '15. tVc�tices.Ali nvtic�s g�ver3 by�orrower ar Lender in conne�tion with�his Security Instrum�nt must be in w�i��ng.Any notice to Barro�uer in connectinn with this 5ecurity lnstrument shal!be deemed�o have beer�given ta Barrawer when mai[ed by frrst cfass mai[or when actual�y delivered to Borrovuer's notice address i�sen�by vther means.Nvtice to any nne Bvrrowe�sha�l cans�itute nvtic�ta all Bvrrowers unless Applicab[e La�nr expressly requ�res o#herw�se.The nvtice address sha�l be the Property A�dress un[ess Borrawer has designated a substitute notice address by natice tv Lender.Borrower shall pramptly natify Lender of garro�er's change of address.if L.ender spe�ifres a procedure for repvrting Borro�ver's change o�addr�ss,the�i Borrawer shalf vn�y repart a change of address through that specified procedure.There ma�be vnfy ane designated no�iC�address unde�this Security instrument at any one time.Any notic� to Lend�r sha[[be g�►��n by delivering i�nr�y mailing�t by first class mail to Lender's address stated herein un[ess Lender has designated anofher add�ess by noti�e tv Barrower.Any notice in connectian with this Secur€�y Instrument shaf[not be deemed to F�a�e been given to Lender unfil actually recei�ed by Lender.If any n�tice requir�d by this 5ecurity Instrument is alsv required unde�Appficable LavEr,�he Applicable Law requirement wi�l satis€�tl�e corresponding requ�rement under this Security[ns�rumerat. '�fi. Gaverning Larru; Se�erab�lity; Rules vf Cvnstruction. This Security Instrument sha[I be go�erned by�ede�al Iaw and the Iav�r of�he�urisdictifln in►n�hich the Property is Ivca�ed.A�l rights and obligativns conta�ned in this SeGurity Instrument are subject to any requirements and �imitations of Appiicable Law.Rpp�icab[e Law m€ght explicit��vr implicitly ai�ov�r the parties tv agFee by cont�act ar it rn�ght be s��ent,hu#such s�lence shall not be construed as a prvh�bitivn against agreement by cvnt�act. In the event that any prv�ision ar c�ause of this 5ecurity�nstrumer�t vr the Note conflicts wi#h AppliGab�e La�v,such conflict sha�l nvt affec�other pro�isions nf fhis Security[nstrument a�the hJote which can be gi�en effect w�thaut the Canf��cting pro�isivn. As us�d in this Secu�ity Instrument: {a}v,►ords vf the masculine gend�r shall mean and include cvrrespanding neute�words nr v►rords a�the ferninine gender;(b}words in the singular shal�mean and includ�the plura[and v�c�versa;and�c3 the ward"may"gi�es sole d�scr�tion�rifhaut any❑bligation to take any�ctian. �7. Borrower's Cvpy.Borr�vlrer shal[be giWer�❑ne copy of fhe Note and o�this 5ecurity�nstrument. '�8. Transfie�of the Property v�a Bet�ef�cia�lr�te�est in Barrower.As used in this Section �f8, "lnier�s�in fhe Prope�y"means any I�ga!or beneficial inte�est in fhe Prape�y,inciuding,but not limited to,tho�e benefGia�in�erests tran�ferred in a bond�or de�d,contrac�for deed,installm�nt sa�es con�rac� or escro�rv agre�m�nt,the intent afv�rhich i�the transfe�r o��tle by Borrower at a�uture date ta a purchaser. �f af�ar any pa�of the�'roperty or any Interest sn the Property is so�d ortransfer�-ed�or��Bvr�a�rer�s no� a natura�persan and a beneficia[interest in Borr�wer�s sald n�transferred3 zvithvut Lender's p�ior writte� cvnsent,Lender may�require immed�ate payment in full vf al�sums se�ured by th�s Secu�ity lnstrument. However,this a�t�on shal[nof be exer��sed by Lend�r if such exercise is prohibited by Rppl��able Larrv. l�Lender�xerc€ses#his opfian,Lender shal!give Bor�ower natice of acc�lera�ivn.The na��Ge shal[ pravide a period of not less than 3�days fr�m the date the notice is given in acco�dance wi#h 5ection �5 within which Borrower must p�y a[[sums se�ured by this 5ecurity fnstrurneni. If Borrower fails tv pay these sums priar ta the expiratian af th�s period,Lender may invvke any remedies permitted by this Securit�Instrumen#withvut further notice ar demand an Borr�wer. 'i9. Barrotrver's Right to Re'rns#ate Af�er A�celeration. if Borrv�r►rer me�#s certain canditions, Borrawer shal�have the righ�tv haW�e��fvrc�ment of��is Secur�ty Insfrume��dis�ont�nued at any time prior to the earliest of:�a}fve days b��vre sale of the Prope�y pursuan�to any po�nrer v#sa[e contained in this Se�urity lnstrumen�; {b}such other period as Applicahle Law might specify f�r the termination of Barrawer's right to r��ns��t�; or�c}entry of a�udgment enforc�ng th�s 5ecurity Instn.�ment.Those condit�ons are that Barravver: �a} pays Lender af[surns which�hen wou[d �e due under this Secur�ty lnstrument and�he Note as if n❑acceieration had o��u�r�d;�b}�ures any defau��o�any athe�cvvenants vr agreements;�c}pays al�expenses incu�red in enforcing this Security lnstrument,including,but nat limit�d�o,reasonable attarneys'fees,prape�y inspection and valuation fees,and❑ther'�ees�ncur�ed for the purpose of protecting Lender's interest in�he Prvpe�#y and rights under this Securi�y�nstrument;and �d}takes such action as Lender may reasonabEy�equ�re tv assure#hat Lender's interest in the Property and rights under�his Security Instrument, and Borrower's ob[�gatio��tv pay the sums secured by this Security Ins�rurnen�,shal�continue unchanged.Le��dermay requ�re that Bo�rvwer pay such reinstatemen� sums and expenses in one or mpre af the folfawing�orms,as sel�cted by Lender:�a}cash;�b}money order;[c3 certified check,bank check,treasurer's�heck or cash�er's che�k,pro�id�d any such check is drawn upan an insti�utivn whose deposits are insured by a federal agency,instrumenta[�ty or entity;or td}Electrvnic Funds T�ansfer.Upon re�nstatement by Bo�rower,this 5ecurity Instrumen�and❑bligations secured h�reby shall remain fulf}r effect�ve as if n�acceferat�on had occurred. However,this right to reinsta�e shail nvt app�y in the case o�acceleration unde�5ectian 18. 24. Sa1e❑f N�te,Cha�g�of Loan Ser�icer;Natiee of�rievance.T��e Not�or a partia[inierest in the Nate�tagether w�th this 5e�urity�ns�rument}can be so(d one ar mor�times without priar notice to Borrawer.A sale might result in a change�n�he entity�knvvtirn as the"Loan Se�vice�'}that c�lle�ts NEHRASKA--Single Famiiy--Fanr�ie fVla�l�r�ddi�Mac E1Nf��RM[N�TRU�ENT Form 3428 i1D7 Ellie Mae,�r��. Page 8 vf 1 Q NEUDEED �415 NEU�EED�CtS} .�� i L