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201201354 IFChe Loan is subjcct to a law which sets maximutn loan charges, and that law is finally i�[erpreLed so that the iirteres[ or other lo2n ehazges collected or to Ue collected in connection with the Lo<w exeeed d�e pern�itted limits, then: (a) any such loan charge shn1l be reduced by the amount necessary to reduce the chnrge tn the permitCed limit; and(b) any sums already collected from 6orrower which exceeded permittcd limits will be refunded to Borrower. Lender may choose Co make this refund Uy reducing thc principal owed uuder the Note or by malting a direct payment eo Borrower. If a refitud recluces principal, the reduction will be treated as a parti¢1 prepayment withou[auy prepaymevt cliuge(whether or not a prepayment cl�arge is provided for under the Notc). Burrower's acceptance of any such refund made by direct paytnent to Sorrower will co�stitute a waiver of any right of action Sorrower migUt havc arising out of such overcharge. 15. Notice5. A(I �oCices given by Borrowcr or Lender in connection with this SecuriCy Tnstiument mus[be in writing. Any notice to Borrowcr in connee[ion with this Security insUUment shall be deemed to havc been give�i to Borrowcr whcn mailed by first elass mail or when actually dclivcrcd to Boxrower's notice address if scnt by other means. Notice to any one Rorrowcr shall constituCe notice to pll Borrowers unless Applicable Law�pressly requires otherwise. The uotice address shall be the Property Address unless Borrower has dcsignated a substitate notice address by notice to Lender. Borrower shall prumptly notify Lender of Bonower's cliange of address. If L,ender specifics a proccdure for reporting Barrower's diange of address, then}3orrower shall only rcport a change of address theough that specified procedure. Thexe may bc only one designated notice address under this Sccurily instrumcnt el any one time. Any notice Lo Lender shall be given by delivering it or by mailing it by first class mail Co Lender's address stated herciv unless Lender has designatcd another address by notice to Rorrower. Any notice in conncction wiTl� this Secw'ity inst�vmcnt shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this SecuriLy instrument is also rcquircd under Applicable Law, the Applicable Law requirement will saYisfy the corresponding requiremen[under this Securiry Instrument. 16. Governing Law; Severability; Rules of Construction. This Security Instrumc�it sliall bc govcmcd by federal law and thc law of the jurisdiction in which die Property is locatcd All righls and obliga[ions confained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might e�cplicitly ur implicitly allow the parties Co agree by cmitract or it might bc silcnt, but such silencc shall not be oonstrtted as a prohibiYion against agreement by contract. In ti�e event Cha[any provisioo or clause of this Security inshument or the Nole con[IicGS with Applieable Law, such conflict shall not affect other provisions of this Secm�iry InsGliment or the Note which ca�t be given effect without the conflictiug provision. As uscd in this Security Instrument: (a)words of khc masculine gende�shall mean and include correspmiding ueuter words or words of tlie femini�2e gendex; (b)woxds in the singular shall mcen and include the ph�ral aud vice versa; and(c) the word"may" give5 sole disc�'etion without any obligation Lo lnke any ttction. 7 7, Borrower's Copy. Borrower shall be given onc copy of the Note and of this Secw�iry Insuvment. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Scction l8, "Interest in the Property" means a�ry leg¢l or beneficial interest in the Property, including, buc not limited to, those beneficial interests Cransferred in a Uond for deed, conU'act for deed, installment sales conCract or escrnw agreement, tJie intent of which is the a�ansfer of title by Borrower at a future date co a purchascr. if all ur eny put of the Yroperty or any Tnterest in thc Proycrty is sold or lraosferred (or if 13orrower is not a na6ural person and a beneficial interest in Borruwer is soLcl or tra�sferred)without Lender's prior written consent, Lender may require immediate payment iu full of all sums secw�ed by this Security Insfeument. Howevcr, this opCion shall not be exercised by Lcndcr if such cxercise is prohibited by Applicable Law. aeonsi�z� eao��sieza NE9RASKA-SingleFamily-FannleMaelFreddieMacUNIFORM MSTROMENT WITH MEHS Po�m 30281101 VMP(vJ - VMPBA(NE)(1105) W olters Kluw er Flnancial Servioes Page 12 nf 1] 1-"� �