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201200640 If the Loan is subject to a law which sets maacimum loan charges, and that law is finally interpreted so that the interest or other loan chazges wllected or to be collected in connection with the Loan exceed the permitted limits,then:(a)any such loan chazge shall be reduced by the amount necesaary to reduce the charge to the permitted limit;and(b)any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower.Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Bonower. If a re'fimd 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).Borro�ver's acceptance of any such refund made by dircct payment to Borro��er�n�ill constitute a a�aiver of any right of action Borrower might have arising out of such overchargc. 7 5. Notiees.All notices given by Borrower or Lender in connection with this Security instrument must be in writing.Any notice to Bonower in connection with this Security[nstrument shal]be deemed to have been givcn to Borrower when mailed by first class mail or whcn acmally delivered to Borrower's notice address if sent 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 substimte notice address by notice to Lender. Bosower shall promptly notify Lender of Borrower's cl�ange 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 only one designated notice address under this Security Instrument at any one time.Any notice to Lender shall be given by delivering it or by mailing it Uy first class mail to Lender's address stated herein unless Lender has designated another address by noYice 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 by this Security Instrument is also required under Applicable Law,the Applicable Law requirement wz11 satisfy the corresponding requirement under this Security Instrument. 16. Governing L.aw;Severability; Rules of Construction. This Sccurity Instrument shall be governed by 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 rzquirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent,but such silence shall not be consmted 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 conflict shall not affect other provisions of this Security Instrument or the Note which cau be given effect without the conflicting provision. As used in this Security lnstrument: (a)words of the masculine gcnder shall mean and include correspoi�ding neuter words or wards of the femininc gcnder;(b)words in the sinb lar shall mean aud include the plural and vice ve'rsa;and(c)the word"may"gives sole discretion without any obligation to take any action. 17. Borrower's Copy.Borrower shall be given one copy of the Note and of this Security Instrumcnt. 1 S. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property"means any legal or beneficial interest in the Property,iucluding,but not limited to,those beneficial intcrests transferred in a bond for dced,cond�act for deed,installment sales contract or escrow agreement,the intent of which ls the transfer of title by Borrowcr at a future date to a purchaser. If all or any pazt of tbe Property or any Interest in the Properiy 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 a11 sums secured by this Security Instrument. However,this option shall not be exercised by Lender if such exereise is prohibited by Appticable Law. 88D1126567 6801128567 NEBRASKA-Single Fomily-Fannie MeelFretlCie MaC UNIFORM INSTRUh7ENT WITH P.7ER5 Form 3028'I I01 VMP Q VMP6A(NE)(1105) NJOlters Kluwer Rnencial Servlces Page 12 of�.7