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201207868 lf ffie Loan is subject to a law which sets maYimum loan charges, and that law is finalty interpreted so that the i�terest or other Ioao charges col[ected or to be coflected in con�ection wi[h the Loan exceed the permitted limits, then: (a)any such loan charge sltall be reduced by the amount necessary to reduce the charge to the permi[ted limit; and(b) any sums aleeady collected from Borrowcr whicli exceeded permitted limits wil]be refunded to Borrower. Lender may choose to make this refund by reducing the principa(owed under the Note or by making a direct paymznt to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment chazge(whether or not a prepayme�t charge is provided for under[he Note). Borrower's acceptance of airy sucli refund made by direct payment to Borrower will conslitute a waiver of any right of action Sorrower mighf have arising out of such overcharge. 7 5. Notices. All notices given by Barrawer or Lender in connection with this Security instrument must be in writi�g. Any notice to Borrower in connection with this Securiry Instrument shall be deemed to have been given to Sorrower when mailed by first class mail or when actually delivered Yo Borrower's nofice address if sent by other means. Notice to any one Borrower shall constitu[e notice to alt Borrowers unless Applicable Law expressly requires otherwise. The notice address shalt be the Property Address unless Borrower has designateA a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's chanae of address. if Lender specifies a proced�re for reporting Borrower's change oF address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Secnrity Insteument at any one time. Any notice to Lendee shall be given 6y delivering iY or by mailing it by first class mail to Lender's address stated herein unless Lender has designa[ed another address by notice to Borrower. Any notice in connection with this Securiry Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Inshument is also required under Applicable Law, the Applicable Law requirement witl satisfy the corresponding requirement u�der this Securiry Instrument. 16. Governing Law; Severability; Rules of Construction. This Securiry instrumenc shall6e governed by federal law and the law of thejurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limi[ations of Applieable Law. Applicable Law might explicitly or implicitly allow the parties to agree by cooteact or i[might be silent, but such silence sliall not be construed as a prohibition against agreement by contract. In the event that any � provision or clause of this Securiry Instrument or the Note conflicts with Applicable Law, sueh eonflict shall nof affect other provisions of this SecuriTy i�strument or the Note which can 6e given effect wifhout the conflicting provision. As used in fhis Security InstrumenY. (a)words of kkie masculine gender shall mean and include correspondi�g neuter words or words of the feminine gender; (b)words in the singular shall mean and include the plural and vice versa; and(c)thc word °may" gives sole discretion wifhout any obligation to take any action. 17. BOrrOwer'S Copy. Borrower shall be given one copy of die Note and of this Security Instrumen[. 18. Transfer of the Property or a Beneficial Interest in Borrower. .As used in this Section 18, "Interest in the Property" means any legal or be�eficial interest in the Proper[y, including, but�not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escro�v agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any par[of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a naNral person and a 6eneficiaL interest in Borrower is sold or transferred)wiYhouC Lender's prior written consent, Lender may require immediate payment in full of aIl sums secured by fhis Security instrument. However, this option shal]not be exercised by Lender if such exercise is prohibited by Applicable Law. 88a1288093 8801288083 N�RASKASingle Famlly-Fannle MaelRetltlie M ac UMPORM INSTRVM ENT WITH MERS Po�m 3020 ll01 VMP� VMP6A(NE)(1105J Wotters Kluwer Financial Services Page 12 ot 1'I