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201206674 If the L,oan is subject to a law wluch sets maximum loan charges, and thaY law is finally interpreted so that the interest or other loan charges collected or to be collected in connecrion with the Loan exceed the permitted limits, thea: (a)any such loan chazge shall be reduced by the mmount necessary to reduce the charge to the permitted limit; and(b)any sums already coll�from Borrower which escceded permitted limits will be refunded to Borrower. Lender may choose to make this re£und by reducing the principal owed under the Notc or by making a direct pa}m�ent to Horrower. If a refund reduces principal> the reduction will be treabed as a partial prepaymeut without azry prepayment charge(whether or not a prepaymant charge is pmvided for imder the Note). Horrower's accept�ce of any such refimd made by direct payment to Borrower will constituke a waiver of any right of action Boirawer might have arising out of euch overchazge. 15. Notices. All notices given by Borrower or Lender in conne�tion with ttris Security Instrmvent muat be in writing. Any norice to Borrower in coanection with this Seciuity Instrument shall be dcea�ed w have been given to Horrower when mailed by first class mail or when actually deliver�to Borrower's notice address if sent by other means. Notice to any one Borrower sball canstitute notice to all Borrowers unless Applicable Law e�cpressly requires otherwise. The notice addreas shall be the Property Address unless Borrower has designazed a subskitute notice address by notice to Lender. Horrower shall promptly notify Lender of Borrower's change of addresa If Lender spacifies a procedure for reporting Horrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one desigivated notice address under ttris Seauity InsWment at any one time. Any nolice to Lender shall be given by delivering it or hy mailing it by first class mail to Lender's address stated herein unless I.ender has designated another address by notice to Borrower. Any natice in connaction with this Se�aity Instrument she11 not be dcemed to have bcen given w Lender imtil actusily received by I.ender. If any notice required by tlris Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under tl�is Security Instnmient. 16. Goveming Law; Severability; I�les of Constrtution. 19us Security Instrument sUall he governed by federal law and flte law o£tUe jurisdiction in which the Property is located. All rights and obligations contained in tUis Security Instrument aze subject to any requirements and limitations of Applicable Law. Applicable Law might eacplicitly or implicifly allow the parties to agree hy conlract or it might be silent, bu[ such silence shall not be construed as a prohibition against agreemeat by con7act. In the event that any provision or clause of ttris Secw ity Instrument or the Note conflids with Applicable Law, such conflict shall not affect other provisions of tlris Security r++�+*��t or the Note which can be given effect without the conflicting provision. As used in tUis Security Instrument: (a)words of the mt�sculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b)wards in the singular ahall mean and include the plural and vice versa; and(c)the word"may" gives sole discretion without azry obligation to take any action. 17. Borrowers Copy. Borrower sLall be given one copy of the Note and of this Security Insm�ment. 18. Transfer of the Proherty �a Beneflclal Irhe�sst in Bomower. As used in tlris Section 18, "Interest in the Property" means any legal or bene5cisl inberest in the Properiy, including, 6ut not limited W, those beneficial intere,sts transferred in a 6and for dced, contract for de�d, in�rA�l,,,e,t sales conffact ar escrow agi�eement, the intent of wlrich is the transfer of ritle by Horrower at a fudse date to a pwchaser. If all or any part of the Property or�y Interest in the Property is sold or h�ansfeired(or if Bonower is not a natival person and a beneficial intereat in Borrower is sold or transferred)withoar Lender's prior written consent, Lender may require immediste paymeut in full of all sums secured by thia Security InstrumeM. However, tlris option sha11 not be esercised by Lender if such exercise is prolubited by Applicable Law. NEBRASKA-SnB�sFem 23WZ5Ze9Z D VBANE yMP`w ay-Fannie MMffredCb Mec UNIFOFM INSTpUMENf WRH MERS Garm 9028 7/01 VMPBA(NE�(NOb1 Wokea Kluwx FnBntiel 3ervieen Pepe 72 of 77