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2o12o�s5� <br />If the Loan is subject to a law which sets maximutn loan cbarges, and that law is finally interpreted so that <br />tha interest or other loan charges collected or to be collected in connection with the Loan exceed the <br />permitted limits, then: (a) any such loan charga shall be reducerl by the amount ne�essary to reduce the <br />charge to the permitted limit; and (b) any sums already collected from Bonower which exceeded p�mitted <br />limits will be refimded to Borrower. Lender may choose to make this refund by reducing tha principal owed <br />under the Note or by making a direct payment to Borrower. If a refund r� principal, the reduction will <br />be treated as a partial prepayment without any prepayment charge (whather or not a prepayment charga is <br />provided for under the Note). Barrowar's acceptance of any such refimd mada by direct payment to <br />Borrower will constitute a waiver of any right of aclion Horrower might have arising out of such overcharge. <br />15. Notit�s. All notic�s given by Borrower or Lender in connection with this Security Instr�mnent must be in <br />writang. Any notice to Borrower in conneclion with this Security Inshvment shall be de�med to have been <br />given to Borrower when mailed by first class mail or when actually delivered to Borrower' s notice address <br />if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless <br />Applicable Law expressly requires otherwise. The notice address shall be the Progeriy Ad�ess unless <br />Borrower has designated a subskituta notice address by notice to Lender. Boaower shall promptly notify <br />Lender of Barrower' s changa of address. If Lender specifies a procedure for reporting Bonower' s change <br />of address, then Borrower sha11 only report a change of address through that specifial procedure. <br />There may be only one designated notice address under this Sacurity Instrument at any one time. Any notice <br />to Lender shall be given by delivering it or by mailing it by firat class mail to Lender' s address stated herein <br />unless Lender has designated another address by notice to Borrower. Any notice in connection with this <br />Security Instrument sha11 not be dcemed to have b�n given to I.ender until actually received by Lender. If <br />any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law <br />requirement will satisfy the corr�sonding requirement under tlus Security Instrument. <br />16. Goveming Law; Severability; I�les of Con.atruction. This Security Instrument ahall be govern� by <br />federallaw and the law of the jurisdiction in which the Property is lacated All rights and obligations <br />contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. <br />Applicable Law might explicifly or implicitly allow the pazties to agr� by contract or it might be silent, but <br />such silence shall not be construad as a prolubition against agreement by contract. In the event that any <br />provision or clause of this Sacurity Instrument or the Note conflicts with Applic�ble Law, such conflict sba11 <br />not affect other provisions of this Security Instrinnment or the Note which can 1� given effe�ct without the <br />conflicting provision. <br />Aa used in this Security Instrument: (a) words of the masculine gender shall mean and include c�rresponding <br />neuter words or words of the feminine gender; (b) words in tha singular shall mean and include the plural <br />and vice varsa; and (c) the word "may" gives sole discretion without any obligation to take any action. <br />17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instnmoent. <br />18. Transfer of the Property or a Beneflclal Inter9est in Borrower. As used in this Section 18, "Interest in <br />the Property" me,ans any legal or beneficial interest in the Property, including, but not limited to, those <br />beneficial interests tzansferred in a bond for deed, contract for de�d, installment sales contract or escrow <br />agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. <br />If all or any part of the Progeriy ar any Interest in tha Properiy is sold or transferred (or if Borrower is not a <br />natural person and a beneficial interest in Borrower is sold or transferrec� without Lender' s prior written <br />consent, Lender may require immediate payment in full of all sums secured by this Se�mty Inslrument. <br />However, tlus option sha11 not be exercised by I:ender if such exercise is prohibited by Applicc�ble Law. <br />2200300133 D V6ANE <br />NEBRASKASingte FmnOy-F�nie Meeffreddie Mae UWIFORM WSTRUMENT WITH MERS Form 3038 1/01 <br />yMp �ql VMPBA�NE) (1106) <br />Wokere Kluw� F4�dal S�vices Pege 12 of 17 <br />� <br />