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2oo9os~r93 to the permitted limit; and (b) any sums already collected from Borrowerwhich exceeded permitted fimitswilf be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed underthe Note 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 provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. Alt notices given by Borrower or Lender in connection with this Security Instrument mus# be in writing. Any notice to Borrower in connection with this Security instrument shalt be deemed to have been given to Borrowerwhen mailed by first class mail or when actually delivered to Borrower's notice address if sent by ether means- Notice #a any one .Borrower shall constitute notice fa all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address fry notice to Lender. Borrower shall promptly notify Lenderof Barrowe~s change of address. If Lender spec'~ies a procedure far reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address underthis Security Instrument at anyone time. Any notice to Lendershall begiven bydelivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender If any notice required bythis Security Instrument is also required underApplicable Law, theApplicable Law requirement will satisfythe corresponding requirement under this Security Instrument. 16, Governing Law; Severa6iiity; Rules of construction. This Security Instrument shall be governed byfederaf 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 Law. Applicable Law might explicitly or implicitly allow the parties to agree by contrail or it might be silent, but such silence shalt not be lronstrued as a prohibition against agreement by contract. In the event that any provision ar clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall oat affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a}wprds of the masculine gender shalt mean and include corresponding neuterwords or words of the feminine gender; (b}words in the singular shall mean and indude the plural and vice versa; and (c) the word "may" gives sale discretion without any obligation to take any action. 17. f3arrower's Copy_ Borrower shat! be given one copyafthe Note and of this Security instrument. 18. Transfer of the Property ar a Beneficial Interest in E3arraw®r. As used in this Section 18, "interest in the Property" means any legal ar beneficial interest in the Property, including, but oat limited ta, those beneficial 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 aft or any part of the Property ar any Interest in the Property is sold or transferred (or iF Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall opt be exercised by Lender if such ejaerdse is prohibited by Applicable Law- If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 3o days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured bythis Security Instrument. If Borrower failsta paythese sums prior to the expiration of this period, Lender may invoke any remedies permitted bythis Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time priorta the earliest af: (a}five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c} entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a} pays Lender all sums which then would be due under this Security Instrument and the Note as ff no acceleration had occurred; {b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enfordng this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred forthe purpose of protecting Lenders interest in the Property and rights underthis Security Instrument; and (d) takes such action as Lender may reasonably require to assurethat Lender's interest in the Property and rights underthis Security Instrument, and Borrower's obligation to paythe sums secured bythis Security Instrument, shall continue unchanged. Lender may require that Borrower pay NEBFtq$KA~-.51n~® Family--Fannie Mae/Fn~ldfe Mac UNIFORM INSTRUMENT {Ps~e 9 of 12j Ne6rdaka peed of Trust 3028 NF C7pT 01101