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�0120�04� �f the Loan ia subject to a law which aets maximum loan charges, and that law is finally intarpreted so that tha interest or other loan chazges collected or to be collected in connection with tha Loan exceed the permitted limi�, then: (a) any such loan charge shall be reduced by the amount n�y to reduce the chazge to the permitted limit; and (b) any sums alre�y collected from Boirow� which axceaded permitted limits will ba refimded to Borrower. L�d� may choose to make this refund by reducing the principal owed under the Nota or by making a direct payment to Borrower. If a rafund reduces principal, tha reduction will be treated as a partial prepayment with�out any PrePaY�nt charge �whether or not a prepayment chazgo is provided for under the Note). Boaower's �ce of any such rafimd mada by direct payment to Borrower will constitute a waiver of any right of action Boaower might have arising out of such ov�charge. 15. Notic�. All notic�s given by Borrowar or Lender in connection with this Security Instru�ent must be in writing. Any notice to Borrower in connection with this Security Instru�nt shall ba deemed to have been given to Bonower when mailed by firat class mail or when actually delivererl to Borrower' s notice address if sent by otl�er �sna. Notice to any ona Borrower shall constitute notice to all Borrowera unless Applicabla Law expressly requires otherwise. Tha notice address shall ba the Prop�ly Address unless Bonower has designated a substituta notice addresa by notice to L�der. Borrower ahall promptly notify I.endez of Boirower' s chaage of �ess. If Lend� specifies a procedure for reporling Borrow�' s chaage of address, theu Borrower ahall only report a chaage of addresa tUrough that apecified praxd�ue. Thera may ba only ona designated notice address under tltia Sacurity Inatrument at any one ti�. Any notice to Lender ahall ba given by dalivering it or by mailing it by first class mail to Lendar' s ad�ess statefl herein unless Lendar has designaYed another �dresa by notica to Barrow�. Any notice in cannecrion with this Security �nstnm�nt shall not be d� to have been given to Lender �mtil actoally receivefl by I.ender. If any notica required by tUis Sec�uity �nstnu�nt is aleo requuad under Applicabla Law, tha Applicable Law re�uu'e�nt will satiaf3' the corr�ponding requirement under this Security Instru�nt. 16. (�oveming L�w; SeveraWlil'y; f�les o�f Cw�structlon, This Security �nstnm�ent sha11 ba governed by federal law aad the law of the jurisdiction in wltich the Pro�rly is located. All rights and obligations contained in this Security Inst�ent are subjec:t to any requirements and limitations of Applicabla Law. Applicable Law might axplicitly or implicitly allow the parties to agr� by contract or it might be ailent, but auch silence ahall not be construed as a prohi'bition against agr�t by contr�t. In the eve� that any provision or clause of this Sec�uity Instrument or the Note conflicts with Applic�ble Law, such conflict shall not affect other provisiona of thia Security Inslnmient or the Nota which c�n be given effect without the conflicting provision. As used in this Sacurity Inatii�ment: (a) worda of tha masculine gendar ahall �an and include coaesponding neuter words or words of the feminine gendec; (b) words in the singulsr shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower sha11 be givan ona copy of the Note and of this Security �nstrument. 18. Tra�nsfer oi tF� Property or a Bene�icial irrter+�t In Bonnwer. As used in t1�is Section 18, "Intereat in the Properly" means any legal or beaeficial intere�t in the Property, including, but not limited to, thox beneficial interests transfecre� in a bond for deed, contract for deed, installm�t saleg contract or escrow agr�t, tha intent of which is the transfer of titla by Boaowar at a futura data to a purchaser. If all or any part of the Praperiy or any Interest in the Property is sold or taansf� (or if Borrower is not a nat�u�al person and a beneficial interest in Boaower ia sold or transferre� without I,ender' s prior written consent, Lend�' �Y re�re immedista PaYme�t in full of all sums sec�ued by this Security �nstnm�ent. However, this option ahall not be exercised by Lender if such exercisa is prohibited by Applicabla Law. NEBRASKASi�b Famoy-Farmb MaedFraddb Maa UMFORM fNSTRUMEM' WITH MERS � � a oi VMP8AME) (1106) W� �,� � g�� Pege 12 of 17 /'