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�o�2os�s� <br />If the Loan is subject to a law wluch sets muimum loan charges, and tUat law is finally interpreted so that <br />the interast or other loan charges colle,cted or to be colle,cted in connection with the Loan exc�ed the <br />permitted limits, then: (a) any such loan charge shall be reducefl by the amount nacessary to reduca tha <br />charge to the permitted limit; and (b) any sums already colle�i from Borrower which exceeded parmitte� <br />limits will be refimde�i to Borrower. Lender may choose to make this refund by reducing the principal owed <br />uuder the Note or by maldng a direct payment to Hoaower. If a refinnd reduces principal, tha reduction will <br />be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is <br />provided for under the Note}. Bonower's �ceptanca of any such refund made by direct payment to <br />Borrower will constitute a waiver of any right of action Bonow� might have arising out of such overcharge. <br />15. Notit�s. All notices given by Borrower or Lender in connection with this Security �nstrument must be in <br />writing. Any notice to Borrower in connection with tlus Security Inatnm�ent shall be deemed to have been <br />given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address <br />if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless <br />Applicable Law expressly requires othervvise. The notice ad�ess shall be tha Property Addr�s unless <br />Barrower has designated a substitute notice addr�s by notice to Lender. Borrower shall promptly notify <br />Lender of Bonower' s change of address. If Lender specifies a procedure for reporting Barrower' s change <br />of address, then Borrower sha11 only report a change of address through that sp�;ified procedure. <br />There may be only one designated notice address uader this Sacurity Instrument at any one time. Any notice <br />t�n Lender sl�all be given by delivering it or by mailing it by first class mail to Lender' s address stated herein <br />unless Lender has desigaatad another address by notice to Boirower. Any notice in conne�tion with this <br />Security Insriiunent shall not be deemed to have b�n given to Lender until actually received by I.ender. If <br />any notice r�uired by ttus Security Instii�nent is also required unde� Applicable Law, the Applicable Law <br />requirement will satiafy the corresponding requirement under this Sec�uity Ins�nt. <br />16. Goveming L�w; Severability; Rules of Con.atruction. This Security Ins�nt shall be governed by <br />federal law and the law of the jurisdiction in wluch the Property ia located All rights and obligations <br />contained in this Security Instruinent are subje,ct to any requirem,ents and limitations of Applicable Law. <br />A�splicable Law might explicitly or implicitly a11ow the pazties to agree by contract or it might be silent, but <br />such silenca shall not be construed as a prohibition against agreemant by contract. In the event that any <br />provision or clause of this Se�urity Instrument or the Note conflicts with Applicable Law, such conflict sha11 <br />not affect other provisions of this Security Instr�ment or the Note wluch can be given effect without the <br />conflicting provision. <br />A.s used in this Se�urity Instrunnent: (a) words of the masciiline gender shall mean and include corresponding <br />neuter words or words of the femin;ne gender (b) words in the sing�ilar shall mean and include the plural <br />and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. <br />17. �arrower's Copy. Borrower shall ba given one copy of the Note and of this Security Tnstrument. <br />18. Transfer of the Property or a Beneficial Ir�terest in Borrower. A.s used in t1�is Section 18, "�est in <br />the Properiy" means any legal or beneficial interest in the Properiy, including, but not limited to, those <br />beneficial interests transferred in a bond for deed, contract for deed, ina� l�lme±�t sales contract or escrow <br />agr�t, the intent of which is the transfer of title by Horrower at a fi�tane date to a purchaser. <br />If all or any part of the Property or any Inter�t in tha Properiy is sold ar transferred (or if Borrower is not a <br />natural person and a beneficial interest in Borrower is sold or transferre� without Lender' s prior written <br />consent, Lender may require immediate payment in full of all s�mas securad by this Security Instnmoen� <br />However, tlus option shall not be exercisad by Lender if such �ercisa is prohiibitad by Applicable Law. <br />2200286136 D VBANE <br />NEBRASKA-36igle Fe�oily-FenNe Mae/Freddie M� UNIFORM INSTRUMEM' WfTH MER3 Form 3038 1l01 <br />VMP (ql VMPBA�NE) (1706} <br />Wp�e K�,� � g�� Page 12 of 77 <br />.� <br />�! v : �� <br />a�' <br />