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201208268 If the Loan is subject)o s law wkuch sets maximum loan charges,aud that law is fivally interpreted so that the interest or other loan charges collected or to be collected in connection with the L,oan exceed the permitted limits, then: (a)any such loan chazge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and(b)any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal,the reduction will be treated as a partial prepayment without any prepayment charge(whether or not a prepayment chazge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices.All notices given by Borrower or Lender in connection with this Security Instrument must be in writing.Any notice to Bonower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means.Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires othenvise.The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender o£Boaower's change of address.If Lender specifies a procedwe for reporting Borrower's change of address, then Borrower shall only report a change of address�ough that specified procedwe. There may be only one designated notice address under this Secucity InsWment at any one time.Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Secwiry Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the correspouding requirement under this Security Instrument. 16. GoverningLaw; Severability;Rulesof Construction.This Security Instrument shall be governed by federal law and t6e law of the jurisdiction iu which the Property is located.All rights and obligations contained in this Securiry Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agee by coniract or it might be sileny but suc6 silence shall not be construed as a prohibition against agreement by contract. In t6e event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall not at�'ect other provisions of this Securiry Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Inshvment: (a)words of the maswline gender shall mean and include coiresponding neuter words or words of the feminine gender; (b)words in the singulaz s6all mean and include the plural and vice versa;and(c)the word "may"gives sole discretio�without any obligation to take any action. 17. Borrower's Copy.Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Propertyor a Beneficiallnterest in Borrower.As used in this Section 18, "Interest in the Property"means any legal or beneficial interest in the Property, including,but not limited to,those beneficial interests transferred in a bond for deed,conuact for deed, installmeat sales contract or escrow agreement,the intent oFwhich is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred(or if Bonower is not a nahual person and a beneficial interest in Borrower is sold or transferred)without Lender's prior written consent,Lender may require immediate payment in full of all sums securzd by this Securiry Instrument. However,this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. NEBRASKASingle Family.Fannie Mae/Fretldie Mac IJNIFORM INSTRUMENT WIiM MERS Foim 30281/01 VMP� /� VMPBA(NE)(1106)00 Wolters Kluwer Ftnanclel Services � > Page 12 of 17 III 111111111111111111 Illll lllillllihlllllll ll lll � `7 q03310769901 0233 185 1217