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�0�20�30� 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 chazges collected or to be collected 9n connecHon with the Loan exceed the permitted limits, Wen: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Bonower which exceeded permitted lim�its will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the 1Vote or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment wit6out any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borcower's acceptance of any such refund made by direct payment to Borrower will consHhtte a waiver of any dght 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 Borrower in connecHon with this Security Inshument sLall be deemed to have been given to Borrower when mailed by t3rst class mail or when actually delivered to Borrower's notice address if sent by oWer means. Noflce to any one Borrower shall consHtute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address wiless Borrower has designated a substitute noHce address by noHce to Lender. Borrower shall prompfly notifiy Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated nottce address under this Security Instrument at any one time. Any aotice to Lender shall be given by delivering it or by mailiug it by fiirst class mail to Lender's address stated herein unless Lender has designated another address by noHce to Borrower. Any notice in connecNon wiW this Security 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 corresponding requirement under this Security Instrument. 16. Goveming Law; �verabllity; I�les of Constructlon. This Security Instrument shall be governed by federal law and the law of We jurisdictton in which the Property is located. All rlghts and obligaHons contained in this Security Instrument are subject to azry requirements and limitaflons of Applicable Law. Applicable Law might expliddy or implicidy allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibiflon against agreement by coatract. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicHng provision. As used in this Securlty Instrument: (a) words of the masculine gender shall mean and lnclude corresponding neuter words or words of the feminine gender; (b) words in We singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discreflon without any obligation to take any acflon. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 1 S. Transfer of the Property or a Beneficial Inter�t In Borrower. As used in this Section 18, "Interest in the Property" means any legal or bene8dal 9nterest in the Property, including, but not limited to, those beneflcial interests traasferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of flde 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 beneflcial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. 001122994783 Cltibank 3.2.58.07 V3 NEBRASKA-SMgle Femlly-Farmie Mae/Freddte Mae UNIFORM INSTRUMENT WITH MERS Form 3028 1l01 VMP 0 VMPBAM� (1105).00 WWters Kiuwer Flnandel Services Pege 12 oP 17