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��o��o�i$� If the Loan is subje�t tn a iaw which sets max�mum loan charges, and that law is finally inke,rpreted so that the intere�t or other loan charges collected or to be collected in connection with the L,oan exceed the p�nitted limits, then: (a) any such laan chazge shatl be re�iuceti by the amount nece.asar�+ to reduce the charge to tee pennitte� limit and (b) any sums already coll� $om Borrower whiCh exceeded permitted limits will be refunded to Borrower. Lender rriay choose to make this refi�nd by reducing the principai owed under the Note or by making a direct payment ta Borrower. If a refund reduces principal, the reduction will be treated as a partiai prepayment without any prepayment cherge (whether or not a prepaymem chsrge is provided for und� the Note). Borrower' s acceptance of airy such refund made by direct payment to Borrower will constitute a waive,r of any right of action Boaower uught have arisuig out of such overcharge. 15. Nottees. All notice.s given by Bonow� or Landar in connecUon with this Secunty Instrument must be in writing. Any notice to Borrower in conn�tion with this Secunty Inst�vment siiaii be deemed to �ave t�� given to Borrower wrien raailed by first class mail or whea actually deliverr,�i to Borrower's natice address if seut by other means. NoUce to any one Borrower shall eonstitute notice to all Borrowers untess Applic�ble T..aw expres.sly requues ot6erwise. The notice ecidr� shall be the Property Address unless Borrower bas designated a substitute notice addre� by notice W Lender. Borrower shall promptly notify Lea�d� of Borrower's cbaage of address. If Lender sprccifies a procedure for reporting Borrower's change of a�dres.v, then Borrow� shall only report a chazige of address ttuougq that specified prot�lure. There may be only one desigaate� notice address under tlus Security Instrucnent at aay one time, Any notice to Le,ndea shell be given by delivering it or by mailing tt by first class mail to Lender' S atidres� stated hereu� unless Lander has designated another address by notice to Borrower. Any notice in connection with this Secutity Inslrumem shall not ba deemed to have lse�n given to Lender until actually received by Lender. If any notice required by this Secunty �tn�ent is al� reqwred under Applicable Law, the Applicable Law reyuirement will satisfy the coaespondin� requirement uader this Security Instrument. 18. Govemirtg Law; Sever�bitity; I�les of Constructton. This Securiry Instnunent shall be governed by fe�eral law and tbe law of tha�unsdichon m wluch the Properiy �s located. Ail rigqts and obligations contained in Wis Security Instrument are subject to any requirementt �c# limitations of Applicable Law. Applicable Law nugrat explicidy or �mplicitly allow tt►e pazqes to agree by contract or it migdt ba sileny but such sile,nce shall not be construed as a prohibition agauist agreement by contract. In me evant that any provision or cl.ause of this Se�unty Inshvment or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of t.his Se�unty Instrument or the Note which can be give,n effect wit6out the confliqing provision. As usai in this Security Instrument: (a) words of the masculine gender st�ll mean and inctude conesponding ne�ter wards or words of tlie feminine gender; (b) words in the singuiar sball mean and include the piurai and vice vers�; and (c) the word "ardy" gives sole discretion without any obligation ta take any action. 17. Borrower's Capy. Borrower stiall be given one copy of ttie Note and of this Security Instrumen� 1 S. Transfer of the Property ar a B�eflclal Inter�t In Borrower. As used in this Sc�on 18, "Interest in the Property" means any legai or beneficial interest in the Property, including, but not limit� to, those beneficial rttterests t+�anaferred in a bond for deed, contract for deed, iastallment sal� contract or escrow agreement, the intent of which is the transfe.r of title by Borrower at a future date to a pwchaser. If all or any part of the Property or any Interest in the Property �s sold or Uansferred (or if Borrower is not a natucat person and a beneficial iaterest in Borrower is sold or transfeired) without Lender's prior written consent, Lender may require immediate payment m full of all s�mos s�ured by this Se�urity Instrument. However, this option shall not be exercised by Lender if such exercise �s proh�bited by Applicable Law. N�RASKA-Si�te Fmnlly-FenNe Mae/Rreddie A9aa UPIlFORM tM6TRUMENT W H�MERS �F P B A f a�o�3s� � Wa� r�s Kluwer Finencial 9ervices Papa 12 of 17 ��