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201200826 <br /> If[he Loan is subject to a law which sets ma�cimum loan charges,and khat law is finally interpreted so that <br /> the interest or other loan charges collected or to be collected in connection with the Loan exceed the <br /> permitted limits,then: (a)any such loan charge shall be reduced by the amount necessary to reduce the <br /> charge to the permitted limit;and(b)any sums already collected from Borrower which exceeded permitted <br /> limits���ill be refunded to Borrower.Lender may choose to make this refund by reducing the principal o���ed <br /> under the I�TOte or by making a direct payment to Borrower. If a refund reduces principal,the reduction will <br /> 6e h eated as a paztial prepayment without any prepayment charge(whether or not a prepayment charge is <br /> provided for under the Note). Borro�ver's acceptance of any such refund made by direct payment to <br /> Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. <br /> 15. NotiCes. All notices given by Borrower or Lender in connection with this Security Instrumcnt must be in <br /> writing.Any noCice to Borrower in connection with this Security Instnunent shall be deemed to havc been <br /> given to Borrower when mailed by first class mail or when acNally delivered Co Borrower's notice address <br /> if sent by other means.Notiee to any one Borrower shall constihite notice to all Borrowers unless <br /> Applicable Law expressly requires otherwise.The notice address shall be the Froperty Address unless <br /> Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify <br /> Lei�der of Borrower's change of address.If Lender specifies a procedure for reporting Borrower's change <br /> of address,then Borrower shall only rcport a change of address through that specified procedure. <br /> There may be only onc designated notice address under this Security Instrument at any one time.Any notice <br /> to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein <br /> unlcss Lender has designated another address by notice to Borrower. Any notice in connection with this <br /> Security Instrument shatl not be deemed to have been given to Lender until actually received by Lender. If <br /> any notice required by this Security instrument is also required under Applicable Law,the Applicable Law <br /> requirement wi11 satisfy flie corresponding requirement under this Security Instrument. <br /> 16. Governing Law; Severability; Rules of Construction. This Sccuriry Instrument shall be governed b}� <br /> federal law and the law of thc jurisdiction in which the Property is located.All righfs and obligations <br /> coutained in this Security Instrument are subject to any requirements and limitarions of Applicable Law. <br /> Applicable Law might e�plicitly or implicitly allow the parties to agree by contract or it miaht be silent,but <br /> sueh silenec shall not be construed as a prohibition against agreement by contract. In the event that any <br /> provision or clause o£this Securiry Instrumant or the Note conflicts with Applicable Law, such conflict shall <br /> not affect other provisions of this Security Instrument or the Note which can be given effect without the <br /> conflictine provision. <br /> As used in this Security Instrument: (a)words of the masculine gender shall mean and include corresponding <br /> iieuter words or words of the feminine gender;(b)words iu Yhe siva lar shall mean and include tlie plural <br /> and vice versa;and(c)Uie word"may"gives sole discretion without any obligation to take any action. <br /> 17. Borrower's Copy.Borrower shall be given one copy of the Note and of this Security Instrument. <br /> 18. Transfer of the Property or a Beneficial Interest in Borrower.As used in this Section 18, "Interest in <br /> the Property"means any legal or beneficial interest in the Property,including,but not limited to,those <br /> beneficial interests lransferred in a bond for deed,contract Por deed,instaliment sales contract or escrow <br /> agreement,the intent of which is the transfer of title by Borrower at a future date to a purchaser. <br /> [f all or any part of the Property or any Interest in the Property is sold or transferred(or if Borrower is not a <br /> natural person and a beneficial interest in Borrower is sold or transferred)without Lender's prior written <br /> consent,Lender may require immediate payment in full of all sLUns secured by this Securiry Instrument. <br /> However, this option shall not be exarcised by Lender if such exercise is prohibited by Applicable Law. <br /> saoi�ana� eaaiia2�ni <br /> NEBRASKA-Single FaTily-Fannie Maei'rredaie Mac 11NIFORM INSTRUM�ENT WITH MERS Form 302A 1ID1 <br /> VMP� VMPfiA(NE)(1105) <br /> Wolters Kluwer Financiai Services Page 12 of�:7 <br />