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202404012 <br />17. Governing Law; Severability; Rules of Construction. This Security Instrument is <br />governed by federal law and the law of the State of Nebraska. All rights and obligations contained <br />in this Security Instrument are subject to any requirements and limitations of Applicable Law. If any <br />provision of this Security Instrument or the Note conflicts with Applicable Law (i) such conflict will <br />not affect other provisions of this Security Instrument or the Note that can be given effect without the <br />conflicting provision, and (ii) such conflicting provision, to the extent possible, will be considered <br />modified to comply with Applicable Law. Applicable Law might explicitly or implicitly allow <br />the parties to agree by contract or it might be silent, but such silence should not be construed as a <br />prohibition against agreement by contract. Any action required under this Security Instrument to be <br />made in accordance with Applicable Law is to be made in accordance with the Applicable Law in <br />effect at the time the action is undertaken. <br />As used in this Security Instrument: (a) words in the singular will mean and include the plural and <br />vice versa; (b) the word "may" gives sole discretion without any obligation to take any action; (c) any <br />reference to "Section" in this document refers to Sections contained in this Security Instrument unless <br />otherwise noted; and (d) the headings and captions are inserted for convenience of reference and do <br />not define, limit, or describe the scope or intent of this Security Instrument or any particular Section, <br />paragraph, or provision. <br />18. Borrower's Copy. One Borrower will be given one copy of the Note and of this Security <br />Instrument. <br />19. Transfer of the Property or a Beneficial Interest in Borrower. For purposes of this <br />Section 19 only, "Interest in the Property" means any legal or beneficial interest in the Property, <br />including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, <br />installment sales contract, or escrow agreement, the intent of which is the transfer of title by Borrower <br />to a purchaser at a future date. <br />If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is <br />not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior <br />written consent, Lender may require immediate payment in full of all sums secured by this Security <br />Instrument. However, Lender will not exercise this option if such exercise is prohibited by Applicable <br />Law. <br />If Lender exercises this option, Lender will give Borrower notice of acceleration. The notice will <br />provide a period of not less than 30 days from the date the notice is given in accordance with Section <br />16 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails <br />to pay these sums prior to, or upon, the expiration of this period, Lender may invoke any remedies <br />permitted by this Security Instrument without further notice or demand on Borrower and will be <br />entitled to collect all expenses incurred in pursuing such remedies, including, but not limited to: (a) <br />reasonable attorneys' fees and costs; (b) property inspection and valuation fees; and (c) other fees <br />incurred to protect Lender's Interest in the Property and/or rights under this Security Instrument. <br />20. Borrower's Right to Reinstate the Loan after Acceleration. If Borrower meets certain <br />conditions, Borrower will have the right to reinstate the Loan and have enforcement of this Security <br />Instrument discontinued at any time up to the later of (a) five days before any foreclosure sale of the <br />Property, or (b) such other period as Applicable Law might specify for the termination of Borrower's <br />right to reinstate. This right to reinstate will not apply in the case of acceleration under Section 19. <br />XXXX131596 <br />NEBRASKA -Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 07/2021 <br />Wolters Kluwer Financial Services, Inc. 02/2024 <br />2024081524.1.0.5558•N20240219Y Page 16 of 21 <br />