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�0120�264 If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in conn�tion with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount ne.cessary to reduce the charge to the pemutted 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 dire,ct payment to Bonower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment chazge (whether or not a prepayment charge is provided for under the Note). Bonower' s acceptance of any such refund made by direct payment to Bonower will consritute a waiver of any right of action Borrower might have arising out of such overcharge. 15. NotlCes. All notices given by Bonower or Lender in connecrion with this Security Instrument must be in wriring. Any notice to Borrower in connection with ttus Security Instrument sha11 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. Norice to any one Borrower shall constitute notice to all Bonowers unless Applicable Law expressly requires otherwise. T'he notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower sha11 promptly notify Lender of Borrower's change of address. If Lender sp�ifies a procedure for reporting Borrower's change of address, then Bonower shall only report a change of address through that specified procedure. T'here may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender sha11 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 Security Instrument sha11 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 corresponding requirement under this Security Instnunent. 16. Goveming Law; Severablllty; Rules of Constructlon. This Security Instrwnent shall be govemed by federallaw and the law of the jurisdiction in which the Property is lacated. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prolubition against agreement by contract. In the event that any provision or clause of this Security Instiument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note wluch can be given effect without the conflicting provision. As used in tlus Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular 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. Bonower sha11 be given 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 Section 18, "Interest in the Properiy" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which 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 Borrower is not a natural person and a beneficial interest in Bonower is sold or transferre,� without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option sha11 not be exercised by Lender if such exercise is prohibited by Applicable Law. eao�znzo� 8801277201 N�RASKASingle Family-Fennia MeelFreddie Mee UNIFORM INSTRUMENT WITH MERS Form 3028 1/01 VMP � VMPBA(NEl (1705) Woltere Kluwer Flnenelal Services Pege 12 of 1Y . / �