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201209340 If the Loan is subject to a law which sets mauimum loan charges, and that law is finally interpreted so that lhe interest or other loan charges collected or to be collected in connection with the Loan exceed the permitled limits, lhen: (a) any such loan chazge shall be reduced by the amoun[ necessary to reduce the charge lo the permiued limit; and (b) any sums atready collected &om Borrower which exceeded permilted limits will be refunded to Borrowec Lender may choose to make this refund by reducing the principal owed under the Note or 6y making a direct payment [o Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment wilhout any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will conslitu[e a waiver of any right of aclion Borrower might have arising out of such overcharge. 15. NotiCes. All notices given by Borrower or Lender in connection wilh this Securily Instmment must be in wriling. Any no[ice to Borrower in connection with lhis Security Instrument shall be deemed to have been given ro Borrower when mailed by first class mail or when aclually delivered to Borrower's nolice address if sent by olher means. Notice to any one Borrower shall conslitute notice to all Borrowers unless Applicable Law expressly requires othenvise. The nolice address shall be lhe Property Address unless Borrower has designated a substitule nolice address by notice to Lendec Borrower shall promptly no[ify 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 thal speci£ied procedure. There may be only one designated notice address ander this Security Instrument al any one time. Any nolice [o Lender shall be given by delivering it or by mailing it by first class mail to Lender's address staled herein unless Lender has designated another address by notice to Borrower. Any notice in connection wilh this Security Instrument shall nol be deemed to have been given to Lender until actually received by Lendec If any nolice required by this Security Insirumen[ is also required under Applicable Law, ihe Applicable Law requiremenl will satisfy lhe wrresponding requirement under Ihis Security Instrument. 16. Goveming Law; Severability; RuleS of Construction. This Security ]nslrument shall be governed by federal law and the law of Ihe jurisdiction in which Ihe Property is localed. All rights and obligations contained in this Security Instrument are subject to any requiremenls and limitalions of Applicable Law. Applicable Law miglu explicitly or implicilly a0ow the parties to agree by contract or i[ might be sllent, but such silence shall not be construed as a prohibition against agreement by contrac[. In the event that any provision or clause of this Security Instrumenl or the Note conflicts with Applicable Law, such conflici shall no[ affect other provisions of this Security InsUumeni or lhe No[e which can be given effect withwt lhe wnflicting provision. As used in this Security Instmmenr (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; @) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation ro take any aclion. 17. BOrrower'S CApy. Borrower shall be given one copy of the Note and of Ihis Sewrily Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, '7nterest in the Property" means any legal or beneficial interest in the Properly, including, bul not limi[ed to, those beneficial interests transferred in a bonA for deed, contract for deed. installment sales contract or escrow agreement, lhe inlenl of which is lhe transfer of[itle by Borrower al a future date ro a purchaser. If all or any part of the Property or any Interesl in Ihe Property is sold or transferred (or if Borrower is not a natural person and a beneficial interesl in Bonower is sold or transferred) without Lender's prior written consenl, Lender may require immediate payment in full of all sums secured by this Security Instrumen[. However, [his option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. 0011 2 3 2 3 31 51 Citibank 32.63.13 V3 NEBRHSKH-Single FamllgFannfe MaelFretltlie Mac UNIFORM INSTRUMENT WITH MERS Fam 3028 V01 VMP� VMP6A(NE)(1105�,00 Wolters Kluwer Financial Services Page 12 of 1]