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201201689 If the Loan is subject to a law which sets m�imum loan charges,and that law is finally interpreted so that the interest or ott�er loan charges collected or to be collected in connection with the Loan exceed the permitted limits,then:(a)any such Ioan char�a shall be reduced by the amount necessary 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 reducine the principal owed under the Note or by mal�ing a direct payment to Borrower.If a refund reduces principal,the eeduction will be treated as a partial prepayment without any przpayment chazge(whetl�er 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. Notiees.All notices given by Borrower or Lender in connection with this Securiry InstrumenC must be in writing.Any noCice to Borrower in connection widi this Security Instrument shall be deemed to I�ave been given to Borrower when mailed by first class mail or cvhen actually delivered to Borrower's notice address if sent by other means.Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable L,aw expressly requires othenuise.The notice address shall be the Property Address unless Borrower has designated a substituCe notice address by notice to Lender.Borrower shall promptly notify Lender of Borrower's chan�e of address.If Lender specifies a procedure for reporting Borrower's chanae of address,then Borrower shall only report a chan�e of address through that specified procedure. There may be only one designated notice address under this Securiry Instrument at an}�one time.Any notice to Lender shall be given by delivering 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 Lcnder.if any notice required by this Securiry Tnstrument is a[so required under Applicable Law,the Applicable Law requirement will satisfy the corresponding requirement under this Securiry Instrument. 16. Governing Law; Severability; Rules of Construction. This Security 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 requirements 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 silenee shall not be eonstrued as a prohibition against a�reement by contract.In t11e event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law,such conflict shall not affect other provisions oP this Security Instrument or the 1Vote which can be given effect without the conflicting provision. As used in this Security Instrument:(a)words ofthe masculine gender shall mean and include correspondivg neuter words or words of the feminine gender;(b)words in the singular shall mean and include the plural and vice versa;and(c)the word"may"gives sole discretion without auy obligation to take any action. 17. Bo1'I'ower'S Copy.Borrower shall be given one copy of the\ote and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower.As used in tt�is Section 18, "Interest in the Property"means any legal or beneficial interest in the Property. including,but not limited to,those beneficial interests transferred in a bond for deed, contract for deed,installment sales contraet or escrow agreement,the intent oP which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred(or if Borrower is not a natural person aud a beneficial in[erest 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 not be exercised by Lender if such exercise is proliibited by Applicable Law. 8801159570 6801159510 NEBRASRA-Single Famiiy-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH R7ER5 Form 3028�I01 VMP OO VMP6A(NEJ(1105) Wolters Kluwer Financial Services Page 72 of 1?