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201207959 If the Loai� is suhject to a law which sets maximum loai� chxrges, and that law is finally interpreted so Lhat the interest or other loan cl�arges collected or to be collected in connection with the Loan exceed the permitted ]imifs, then: (a) any sucl� loan charge shall be reduced 6y the amounE necessary to reduce the charge tn the permitted IimiY; and (b) ai�y sums already collected from Borrower which exceeded permitted limits will be refundcd to Rorrower. Lender may choose to makc this refund by reducing Yhe principal owcd under the Note or Uy making a direct payment to Borrower. Tf a rcfund reduces principal, die reduction will be Lreated as a partial prepayment without any prepayment charge(whether or not a prcpayment charge is provided for undcr the Note). Rorrower's acceptance of xny such refund made by direct payment to Rorrower will constitute a waivcr of a�ry right of action Borrower migl�t I�ave arising oot of such overcha�ge. 15. Notices. All notices given by Borrower or Lender in connectiou with this Securiry Instrument must be in writing. Any notice to Borrower in connection with this Security Insteurnent shall be deemed to have been given to Borrower when mailed by first class mail or when actually ddivcrcd to Borrower's notice address if sei�t by other mea�is. Notice to any one Borrower shall constituCe notice to all Borrowers unless Applicable Law expressly requires otherwise. The no[ice xddress shall be the Property Address unless Boerower has designated a substitute noticc address by notice to Lender. Borrower shall promptly notify Lender of Burrower's change of address. If Lcnder specifies a procedure for reporting Borrower's change of address, Chen Borrower shal I only report a change of address d�eough thaf specified procedure. There may be only one designated notice address under Yhis Security instrument at any one time. Any �oYice Yo Lender shall bc given by delivering it or by mailing it by first class mail to Lender's address stated I�crein u�iless Lender has desianated another address by notice to Burrower. Any notice in connection wiYh this Security Instrument shall not 6e dccined to have been given w Lender unlil actually received by Lender. If any notice requircd by this Secui9ty Instrament is also required under Applicable Law, the Applicablc Law requiretnent wil! sa[isfy the corresponding requirement nnder this Secarity Instrttment. 16. Governing Law; Severability; Rules of ConsYruction. This Securi[y InsYrnment shall be governed by federa( law and the law of the jurisdiction in which the Pru�erty is located. AII rights and obligations containcd in this Secm�ity Instrument are subject to any requu'ements and limitations of Applicable Law. Applicable Law might explici[ly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not 6e construed as a prohibition against ageccment by cont�'act. In [he event Chat any provisia� or claase of this Seeuri[y insCiument or the Note conflicts with A��licahlc Law, such conflict shall not affect othcr provisions of this Security instrument or the Note which can be given effect without the contlicting provision. As used in this Security lnstrument: (a)words of the maticuline gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and inclode the plural and vice versa, and (c) the word "may" giv� sole discretion without any o6ligatiun [u Lxke any action. 17. Borrower's Copy. Rorrower shall be givcn one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Scction 18, "lnterest in the ProperCy" means any legal or beneficiaf interest in the Property, inclttding, but not limited tq those beneficial interests ti�ansferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, thc intent of which is the transfcr of title by Borrower at a future datc to a purchaser. If all or any part of the Property or any Interest in the Property is sold or trai�sferred (or if Rorrower is not a natural person and a beneficial interesf in Borrowcr is sold or G'a�isferred) without Lender's prior written conscnt, i,ender may require immediate payment in fiall of afl sums secured by this Security instrument. Howcver, tl�is option shall not bc exercised by Lender if such excrcise is prohibited by Applicable Law. BPO'1292448 /�' '//��' 8601292448 NEBIZ45KA-Singlefamily-PannleMaelFretltlieMacUNiFORMINSTRUMENTWITHh1EN5 I�C �"� LJ Form30201/01 VMP(ry � VMPBA(NE�(1105) Wol�erz Kluwer Flnenclal 5ervices Page 2 of 1�