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201207796 If die Loan is subjec[to a law whicl� sets maximam loai� charges, and that law is finally intcrpretcd so that [hc interest or other loan charges collected or to bc a�llcctcd in counection wiCh the Loan exceed thc permitted I imits, then: (a) a��y such loar� charge sl�all be reduced by tl�e amount necessary to reduee tlie cl�arge to tl�e permilted Gmit; a��d (6) any suins already collected from I3orrowcr which exceeded permitted (imits will be refunded to Borrower. Lender mxy choosc to make this refwid by reducing tlie principat uwcd wider the Note or by inalcing a direct paymenC to Borrower. If x rcfund reduces principal, tl�e reduction will be treated as 2 pv�ti�d prepayment without any prepaymenL cliarge (whether or uot a prcpayment charge is providcd for imder the Note). Borrower's acccptancc of any sucl�refiu�d ��wde by direct payment to I3orrower will constitute a waiver of any rigliC oP action I3orrowcr might have arisiug out of sucli overcliarge. 1 5. Notices. 911 nolicas given by Rorrower or Lender in connec[iou wi�h �l�is Securiry Inst�vmeut musY be in wriling. Any aotice to I3orrower in connection with this SecttriYy Instrument shall bc dcemed to have been givcn to Borrower when mailed by tirst cl�ss mail or whcn actuaily delivered to Barrowcr's notice address if sent by oLhcr mcans. Notice to auy one Borrower shaLl wnsti W Le noLice lo al I Rorrowers unlese Applicable Law expressly requires o�hciwise. Tlie notice address shaLl be the Property Address unless Burruwa� has dcsignated a substitute notice address by notiw to Lendei. Borrower shall promptly no[ify Lender of Borrowcr's changc of'address. If Lender specifies a procedure for rcporting Ba-rower's change of address, then Borrower shall only report a change of address tl�rougl� Yhat spuif ed procedure. 'fl�erc inay be ouly one designaCed notice address under tl�is Securiry Instrauient at any one Cime. Any uo[ice to Lender shall be given by dclivc��ing it or by mading it by firsl class mail lu Lcndci's address stated herein unlcsc Lender lias designated anotl�er address by notice to Bon�ower. Any�otice in connection witl� lhis Seel�riry InshvmenL shall not be deemed to 1�1ve been given lo Lcnder until ach�alLy received by Lender. If any notice required by this Security h�strnment is aLso required undee Appliu2ble Lnw, thc Appliwblc Iaw requircmcnt will sat�isfy tl�e corresponding requircmcnt under this Security InsCrament � 16. Governing Law; Severability; Rules of Construction. This Security InsGument shall be govern�l 6y � federa] ]aw and [Izc law of tlie,jurisdicCion in which the Pro�crty is located. All right�s and obligations conteined iu tl�is Secueiry Inshumcnt xre subject to any requirements and limitxtions of Applicab�c Law. Applieablc Law inight explicitly or implicitly alfow d�e parties to agree by contract or it might be sile��[, but such silence sLiall not be construed as a prol�ibition againsl.agreeincnt by co�itcact In d�e eveu[t7iat any provision or clat�se of this SccuriLy h�strwnent ot'the Note conflicts with Applicablc Law, such confIict sl�all not xfl�cct other provisions of tf�is Securi[y Instniment or t1�e Note which can be given effect withou[ Ll�e conflicting pruvision. As used in Lhis Sccurity IusL�umeut (a) words of the mascutiue gender shall mean a�id include corresponding neuter words or words of Lhc feminine gender, (b) words in [hc singular shall me�i and include the pLuraL xnd vice versa; aud (c) the word "may" gives so(e discretion without any obligalion Lo tal<c any action. 7 7. Borrower's Copy. Borrowcr sha1T be given one copy of tl�e Note ai�d of this Sccw ity instrwncnt. 18. Transfer of Che Property or a Beneficial InCerest in Borrower. As uscd in this Section 18, "Ineerest in tl�e Proper�y" means a�ry legal or benefioixl interest ii� tlieProperty, including, butnot liuzited to, [Izose beneficial interests fransfcn�ed in a bond for deed, coutract for dccd, installment sales contract or escrow agreeinent, the inCe��t of which is Oic transfer of title by Borrower at a fulure datc Lo a purcl�aser. If xll or any part oPtheProperty ur xny Interest iu the Properry is sold or trnnnfcrecd (or ii Burrower is not a naiural persun and a beneficial interest in Borrowcr is sold or n�ansferred) wid�ont Lender's prior wri[ten consent, Lender may requirc immediate payment in ful I of all sums secured by this Secw'ity Instnnnene. Howcvcr, this option s61I1 not be cxa�cised by Lender if sucli exercise is��rol�ibi[cd by Applicable Law. 80�1300492 F7 g� 88013V048L NcBRASKA-SlnylaFamlty-FannieMaolPraddle MacUNIFORM INSTRIIMENT WITH MERS �.�� AA✓� L✓� Ponn 9028 1101 VMP O VMPPeAe��2�a1�1]� Woltors Kluwer Flnaoclal Servioea