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201209603 if the Loan is eubjeet to a law whicl� acts maximum loan chnrges, and diat Iaw is fii�ally interpreted so t1i�t the interest or other loan charges collu;led or to be coLlccted ii�eoi�nection witLi thc Loan exccui the permitted limi[s, [hcn: (a) any snch loart cl�nrgc shall be reduced by thc amount necessary to rcduce die c1lu�ge to Che pemutled li��vt; and (b) any saina alrcady collected lrom Boi�rower which exceeded permitted limits wilt be refuuded to Borrower. Leoder may chouse to make this refimd by reducing the princ3pal owed under tllc Note or�iy tnalci�g a direct payment co Bon�ower. If a refund rednces �rincipal, the redticdoti will be h�ea[ed as a partial prep2ymen[ wi[hoot any prepaymenL eti��ge(wltether or nol a prcpayroent charge is provided for midev�the Note), Borrowcr's acceptance of any sucLi refund m�de by direct payinent to Rorrower will oonstimte a waiver of aoy rigllt of actio� I3a�rower might have arisiug out of such overcharge. 1 5. Notices. /�I( noGces givcu 6y Borrower or Lender iu connection w]tli tllis Secw�ity Tnstrument must Uc in wrilin�. Any notice to Boirowcr in connection with Lhis Security Tnstrument sl�all be dee�med tu hnve bccn given w Borro�ver when maifed by t3rst class mail or when nchi�.11y deLivered to Borrower's notice addrasa if sent by oll�cr means. Notice to v1y m1c Borro�ver sh�l[ cons[itute notice to all 13orrowcrs unless Applicable Law cxpressly requires otherwisc. 7'he noCice addeess sl�all l�e die i'roperty Addrass unlese Borrower has designa(eel n substitute notice adch�ess by notice to Lender. Borrower shal( promptly notif'y Lender of Borrower's cliangc of�address. If T_ender specifies a procedure fur rcporting Ra-rower's chnngc of address, thcn Ba'rower shall only report a change of nddress t]v�ou�,6 Chat specilicd proeedw�e. Tl�ere may be only one designaGed nofice nddre.ss ander this Secuiity L�stivment at any one time. Any noCice W Lender shall be given by dclivering iY.or by mailiug it by first class mail W Lc��der's address slnLed L�crcin wiless Lender has designated ano[her address by nolice to Borrower. luiy notice iu conneetion with khis' Secueiry Insu-mnent shall not be deemed to have been given to Lender until aefi�Lly recciced by Lendec. IY nny notice requited by tl�is Security InsRiunent is also rec{uired undcr Applicable Law, Lhe Applicable Law reqtiirement will satisly Cl�e wrresponding requircment under tLiis Security Instrument. 16. Governing Law; Severabili[y; Rules of Construction. This Secmicy Ins�rumcut shall be governed by federal law nnd Ihc law of YhejueisdicLio�� in which the PrupciYy i.s IocaCed. AlI ri�ls and obligations cmrtaineci in this Secwity lnstrument are subject to any reqiuremanti and lunitations of Applicable Law. Applicable Law might explicitly or irr�pliciily allow C6e parties to agree by contracT or i[might l�e silent, but such silence shaLl not bc emistrued as a prohibition against agreemenl by contrace. In the evciri that any provision or clause of fhis Security lnstrumenl or the Note conilic[s wiUi Applieable Law, such coulliut shall not aCfcct other provisions uf lLiis SecuriYy Insumncnt or T.he Note whicli cxu be given effect tvilhouL ll�c conflic[ing provisiou. As used in �lus Securiry InstrumenC (a)wor'ds of tlie mesculine geoder sh21t mcnu and include cocrespolldiug ncuter words ur words of the feminine gcndcr; (b) words iu lhc singular shalL mean and iuclude the p(nraL u�d vice versa; nnd(c) the word "may" gives sole discretiun will�out any obligation to lakc any action. 1 7. BOrrower'3 Copy. Burrower,chall be give�unc copy of the Nole and of this Securiry ins[n�mcnl. 7 8. Transfer of the Property or a Beneficial Interest in Borrower. As uscd in this Section 18, '7uterest in the Pcoper6y" �neans any lega] or benef ci¢f uit�erest in �l�e Propecry, including, but not limited to, tl�ose beneficiaL interesls transferred in a bond for deed, con4act lor deed; instaLlmenl sales contract or escrow agrccment, Uie intenl of which is [Lie u�nsCcr of tiGle by Borruwcr at a future date Lo n purcl�aser. Tf all or xny part of the Property or any Interesl in the Properry is sold ur tra��sferred(or if f3on-uwcr is not a ❑aNral puson and a beneficia] inlcrest in Rorrower is sold or trat�sferred) wilhout Lender's prior wrillcn conscnt, I.ender may rcquire immedintc pa}nnent in fiill oCall sums secumd by Chis Sccurity iiud'ument. Howcver; this optlon slzall not be exercised by Lender if such cxe��cise is prol�ibited by AppLicable Law. B8013bdfii6 `��-} ��/'y� 00013546=�E NEBkASKA-SlnAleFemily-FanniaMaeffre�dleMacUNIFORMINSTROM1fENTWITHMEkS !' / �orm90281141 VM P@ �/M P6P.(Ncl(��O S) W ultecs Klw�er Fina�[ial Servlces Pade 12 o(R