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LOAN #: 8736750 If the oan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the in erest or other loan charges collected or to be collected in connection with the Loan exceed the permitted imits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to he permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will • e refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the ote or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provide • for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower ill constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. N tices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writin Any notice to Borrower in connection with this Security Instrument shall be deemed to have been give to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if - ent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of : orrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be onl, one designated notice address under this Security Instrument at any one time. Any notice to Lender hall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unl s Lender has designated another address by notice to Borrower. Any notice in connection with this S= curity Instrument shall not be deemed to have been given to Lender until actually received by Lender. f any notice required by this Security Instrument is also required under Applicable Law, the Applicable aw requirement will satisfy the corresponding requirement under this Security Instrument. 16. Go erning Law; Severability; Rules of Construction. This Security Instrument shall be governed b federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable aw. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be sil - nt, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such c•nflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As use in this Security Instrument: (a) words of the masculine gender shall mean and include correspondi g neuter words or words of the feminine gender; (b) words in the singular shall mean and include the •lural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any ac ion. 17. Bor ower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Tra sfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in t e Property" means any legal or beneficial interest in the Property, including, but not limited to, those be eficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or a y part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural per on and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Le der may require immediate payment in full of all sums secured by this Security Instrument. However, thi . option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lende exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a pe iod of not Tess than 30 days from the date the notice is given in accordance with Section 15 within wh ch Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these su s prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Inst ument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. if Borrower meets certain conditions, Borrower sh II have the right to have enforcement of this Security Instrument discontinued at any time prior to the e- rliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Securi y Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower'- right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions ar that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument a d the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreement -; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, rea onable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose o protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes suc action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instr ment, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certi ied check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon a institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic ' unds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured heresy shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale •f Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (to ether with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") th t collet s Initials: NEBRASKA - -Sin. le Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3028 1/01 Page 8 of 10 NEUDEED 0415 NEUDEED (CLS) 06/22/2017 09:17 AM PST Ellie Mae, Inc. 201704337