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LOAN #: 1705000014789 If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so at the interest or other loan charges collected or to be collected in connection with the Loan exceed the rmitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the harge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted li its will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed nder the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will e treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge i provided for under the Note). Borrower's acceptance of any such refund made by direct payment to orrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security lnstrument must b - in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have b -en given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice a• dress if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless pplicable Law expressly requires otherwise. The notice address shall be the Property Address unless B.rrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify L nder of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change o address, then Borrower shall only report a change of address through that specified procedure. There ay be only one designated notice address under this Security Instrument at any one time. Any notice t. Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated h rein unless Lender has designated another address by notice to Borrower. Any notice in connection w th this Security Instrument shall not be deemed to have been given to Lender until actually received b Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be g. vemed by federal law and the law of the jurisdiction in which the Property is located. All rights and o ligations contained in this Security Instrument are subject to any requirements and limitations of A plicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it m ght be silent, 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 L -w, such conflict shall not affect other provisions of this Security Instrument or the Note which can be gi en effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include c•rresponding neuter words or words of the feminine gender, (b) words in the singular shall mean and in ude the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to to e any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "I erest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or - scrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a atural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written co sent, Lender may require immediate payment in full of all sums secured by this Security Instrument. H. ever, this option shall not be exercised by Lender if such exercise is prohibited byApplicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall pr vide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pa these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Se urity Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Bo rower shall have the right to have enforcement of this Security Instrument discontinued at any time pri.r to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in is Security Instrument; (b) such other period as Applicable Law might specify for the termination of ;orrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those co ditions are that Borrower. (a) pays Lender all sums which then would be due under this Security Ins rument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or greements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limi ed to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) akes such action as Lender may reasonably require to assure that Lender's interest in the Property an rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Se. urity Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement su s and expenses in one or more of the following forms, as selected by Lender. (a) cash; (b) money ord r; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is dra n upon an institution whose deposits are insured by a federal agency, instrumentality or entity; or (d) lectronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations sec red hereby 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 of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in t e Note (together with this Security Instrument) can be sold one or more times without prior notice to rrower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects Initials ,4f c_ NEB • SKA— Single Family— Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 30281/01 Ellie ae, Inc. Page 8 of 10 NEUDEED 0415 NEUDEED (CLS) 08/28/2017 03:48 PM PST 201704346