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' . • , 201208202 Iti tl�e Luan is subject to a law wliicl� sets maximum loan charges, a��d diat law is tinally interpreted su that the iutecest o�other]oan charges collecred or to be collected in com�ection with the Loan exceed the pernutted linvts, then: (a) avy such luan c6arge shall be reduced by the amouut necessary ro reduce die charge[o [he pernutted linut aad(b)any sums already collected from Borrowe�whick�exceeded pennitted linvts will 6e refuuded to Borrowec Lender uuy chonse to make tl�is refund by reducing the prineipal owed undei die Note oi by roaking a direct payroei�t to Borrowec. If a�efund xedaces pxivcipal, die ceduction will be trea[ed as a partial prepayment witliout any prepayment charge (whether or vot a prepaymeut charge is provided fc�r unde�the Note). Borrower's accep[ance of a�ry such refund made by direct payme�n to Borrower will constimre a waive�of any ciglu of action Borrower nuglit liave arising out of sucli overcharge. 15. Notices. All notices given by Boccower or Lender in couue�tiou with this Security Instrument must be in writing. Any notice to Borrower in connection witU t6is Securiry Instrument shall be deemed ro have been giveu tu Bocrower when mailed by first class nuil or whev actually delive�ed to Borrower's nodce address if se��t by otl�er means. Notice to anp oue Boreower shall constimte notice to all Borrowers unless Applicable I.aw expcessly requi�es otherwise. The notice address shall be the Property Address unless , Borrower has designared a substitute notice address by notice ro Lender. Borrower sliall promptly notity Lender of Borrower's cl�ange of address. If Lendec ypecities a procedure for re�wrting Boaower's cliauge of address, then Borrowex sliall ovly report a cl�ange of address through diat specified procedure. There may 6e ouly one desiguated iiotice address under this Security Instrument at any one time. Any �wtice to Lender shall be given by delivering it o�by mailiug it by firs[class n�ail Yo Lender's address stared lierein unless Lender has desiguated anotlrer address by uotice ro Borrower. Auy notice in coruiectiou with this Security Instmment shall not be deemed to liave been giveu to L.ender until actually received by Lender. If any notice requirecl by tl�is Security I�utmment is also required under Applicable law, die Applicable Law requixement will sarisfy the corresponding reyuirenient uvder this Secarity Instrumeut. 16. Governing Law; Severability; Rules of Construction. This Sc�urity Instrumeut shall be governed by fedecal law azid the law of tlie jurisdiction in which the Property is la;ated. All rights and obligations contained in this Secudty Instmmeut are sohject to a��y reyuirements and lirnitations nf Applicable Law. Applicable Iaw migl�t expliciUy or implicidy allow the�acties to agree by courract or it might be silent, but such silence sliall not he construed as a prohibition agai��st agreement hy contract. In the event that auy provisiun or clause of rhis Security lnstrument or the Note couflicts with Applicable Law, sucl�conflict shall not affect other provisions of this Security Instrumeut or the Note wl�icl�ca�i be given effect without the conflicting provision. As used in this Security lnstrument: (a) words of the masculine gender sl�all mean and indude airresponding neuter wocds or woxds of the femivine geuder; (b)words iu tlie singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretiov without any obligation w take avy action. 17. Borrower's Copy. Borrower shall be given one copy of d�e Note and of this Security lnstrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used i�i diis Sectiou 18, "Interest iu the Pioperty" means avy legal o�Ixueficial inrerest in the Prope�ty, including, hut not limited to, those be��eficial interests txausfeaed in a lxmd for deed, convact for deed, ivstallment sales coutract or escrow agreement, tl�e intent of which is the transfer of tide by Borrower at a future date to a purchaser. If all or auy pan of die Pcopeny nr any luterest in ttie Properry is sold oc transferred(or if Borrowe� is not a natural person and a beneficial inrerest in Barrowec is sold or transferred) without I.endei s priur written co�uent, L,ender may require inm�ediate payment in full of all sams secared by diis Security Instmment. However, this option shall not be exercised by Lender if such execcise is prohibited by Applicahle C,aw. IOfiANE 00068]943420 September11,2012 NEBRASKA-Single Family-Fannie MaelFretltlie Mac UNIFORM INSTRUMENT WITH MEFS Form 3028 1/01 � VMP�. VMP6A(NE��11051.00 YVoltera Kluwer Pinancial Services . pyy¢�p of�) �