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2Q120417� If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connecflon with the Loan exceed the permitted limits, then: (a) any such loan charge 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 reducing the prindpal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reducHon wID 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 acflon Borrower might have ar3sing out of such overcharge. 15. NotiCes. All no8ces given by Borrower or Lender in connection with this Security Instrument must be ia wrlting. Any noHce to Borrower in connecHon with this Securlty Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's noHce address if sent by other means. NoHce to any one Borrower shall consfltute noHce to all Borrowers unless Applicable Law expressly requires otherwlse. The noHce address shall be the Property Address unless Borrower has designated a substitute noHce address by noHce to Lender. Borrower shall prompdy noHfy Lender of Borrower's change of address. If Lender spec9fies a procedure for reporting Bonower's change of address, then Borrower shall only report a change of address through that spec�fled procedure. There may be only one designated nodce address under this Security Instrument at any one tlme. Any noflce to Lender shall be given by delivering it or by mail9ng it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Bosower. Any noNce in connectlon with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any noHce required by this Securlty Instrument is also required under Applicable Law, the Applicable Law requirement will saHsfy the corresponding requlrement under this Security Instrument. 16. Goveming Law; Severability; F�I� of Constructfon. This Securlty Inshvment shall be govemed by federal law and the law of the jurlsdiction in which the Properly is located. All rights and obllgaHons conta9ned in this Security Insh�ument are subJect to any requirements and 19mitaHons of Applicable Law. Applicable Law might explicitly or implicidy allow the parties to agree by contract or it might be silent, but such silence shall not be construed 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 Secw�lty Instrument or the Note which can be given effect without the conflicting provision. As used 9n this Security Inshvment: (a) words of the masculine gender shall mean and 9nclude corresponding 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 discreflon without any obligaflon to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Inter�t in Borrower. As used in this Secflon 18, "Interest �n the Property" means any legal or beneflcial interest in the Praperty, including, but not 19mited to, those beneflcial interests transfened in a bond for deed, contract for deed, �installment sales contract or escrow agreement, the intent of which is the transfer of tide 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 and a bene8cial interest in Borrower is sold or transferrecp wlthout Lender's prlor wrltten consent, Lender may requ�re 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 prohibited by Applicable Law. 001122894783 C(ttbank 3.2.SS.07 V1 NEBRASKA-Shigte Famtly-FanNe Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS Fwm 3028 1/01 y�y�p 0 VMPBA(N� (7705).00 Wolters Kluwer Flnandal Servleas Page 12 of 17