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20�20�300 If the Loan is subject to a law which sets maximum loan chazges, and that law is finally interpretefl so t�at tha interest or other loan charges collect� or to be collected in crnmection with the Loan exc�ed the permitted limits, than: (a) any such loan charga shall be reducefl by the amount nacessary to reduce tha chazge to the germitted limit; and (b) any simos alre,�y collected from Borrower wlrich exceaded peimitted limits will be refimded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by malQng a direct payment to Borrower. If a refund reduces principal, tha reduckion will be tr� as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrow�'s acceptaace of any such refund m�e by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notic�. All notices given by Bonower or Len�er in connection with ttus Security Instrument must be in writing. Any notice to Borrower in connection with tlus Security Instr�m,ent shall be d� to have b�n given to Horrower when mailed by first class mail ar when actually delivered to Bonower' s notice address if sent by other �ans. Notice to any one Borrower shall constitute notice to all Borrowers unle.ss Applicable Law expressly requires othervvise. The notice ad�ess sha11 be the Property Address unless Boaower has designated a substitute notice address by notice to Lender. Borrower shall pramptly notify Lender of Borrower' s changa of �ckess. If Lender specifies a procedure for reporting Bonower' s change of address, then Borrower sha11 only report a change of address through that specified proceiiure. There may be only one designated notice address under this Security Instrument at aay 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 hes designated another �dress by notice to Bonower. Any notice in connaction with this Security Instru�nt sha11 not be deemed to have been given to Lender until actually received by I.ender. If any notice required by this Security Instrum�ent is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Inshvment. 16. C�veming Law; Severability; I�les of Construc.tion. Tlris Security Instru�nt shall be governed by federal law and the law of the jurisdiction in which the Property is located All rights and obligations contained in tlus Security �nstrument aze subject to any re,quirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the pazti� to agr� by contract or it might ba silent, but such silence shall not be consbruad as a prolubition 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 affe�t other provisions of this Security Instr�ment or the Note wluch can ba given effect without the conflicting provision. As used in this Sacurity Instrumen� (a) words of the masculine gender sha11 mean and include corresponding neuter words or words of the feminine gender; (b) words in tha singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole disaretion without any obligation to take any action. 17. Bomower's Copy. Borrower shall he given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Iriter� in Borrower. As used in this Se�tion 18, "Interest in the Property" means any legal or beneficial interest in the Properiy, including, but not limited to, those beneficial inter�ts transferred in a bond for de�d, contract for deed, installment sales contract or escrow agr�t, the intent of wluch is the transfer of title by Borrower at a fuhue data to a purchaser. If all or any part of the Property or any Interest in the Praperty is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Bonower is sold or transferre� without Lender' s prior written consent, Lender may require imnaediate payment in full of all sums secured by this Se�urity Instrument However, this option shall not be exercisad by Lender if such exercise is prohibited by Applicable Law. 2200278644 NEBFiASKAShgte FamHy-FanNe MaelFreddie Mao UNIFORM WSTRUMENT WITH MEft3 VMP C� won�s Kluwer F6�u�a1 s�vk� D VBANE r-o►m ao3e �ro� VMPBA�NE) �1106) Pepe 17 �� ��