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201210551 If the Loan is subject to a law which sets maximum toan charges,and that Iaw is finally interpreted so that the interest or other loan chazges collected or to be collected in connection with the Loan exceed the permitted limits,then: (a)any such loan charge shall be reduced by the amount necessary to reduce the chazge to the permitted liailt; 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 priucipal owcd under the Note or by making a d'vect payment to Borrowec If a refund reduces principal,the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note).Boaower's acceptance of any such refund made by direct payment to Bonower will constitute a waiver of any riglrt of actiou Bonower might have arising out of such overcharge. 15. Notiees.All notices given by Boaower or Lender in connection with this Security Instrument must be in writing.Any notice to Borrower in connection with this Security Instrumeut shall be deemed to have been given to Bonower when mailed by First class mail or when actually delivered to Bonower's notice address if sent by other meaus.Notice to any one Borrower shall constitute notice to all Boaowers anless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Bonower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Boirower's changc of address,then Bonower shall only report a change of address through that speci£ed procedure. There may be only one designated notice addtess under this Security Instrument at any one time.Any notice to Lender shall 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 Botrower, Any nouce in connection with this Sectuity 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. GoverningLaw; Severability;Rulesof Construction.This Secwity Instrument shall be govemed by federal law and the law of the jurisdiction in which the Property is located.All rights and obligations contained in tlils Security Instrument aze subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or impliciUy allow the parties to agee by co�tract or it might be silent,but such sileuce shall not be construed as a prohibition agaiust agreement by conffact. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such couflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision, As used in this Security Instnunent: (a)words of the masculine gender shall mean and iucludc coiresponding ueuter words or words of the femiuine 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. Bo�rowers Copy.Borrower shall be given one copy of the Note and of this Security lastmment. 18. Transferof the Propertyor a Beneficiallnterest in Borrower.As used in this Section 1 S, "Interest in the Property"means any legal or beneficial interest in the Property, including,but not limited to,those beneficial interests uansferred in a bond for deed,contract for deed,installment sales contract or escrow agreement,the intent of which is the transfer of title by Bonower at a future date to a piuchaser. IY 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 Bonowet is sold or transferred)without Lender's prior written consent,Lender may require immediate payment in full oY all sums sewred by this Security lnstrument. However,this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. NEBRASKASIngle Famly-Fannie Maeffretldie Mac IINIFORM INSTRUMENT WITH MERS Foim 3f1281101 VMP� VMPBA(NEJ(1106].00 Woltera Kluwer Flnenclel Sarvices Page�2 M 1l iiiiiiiiiiiiiiiiiiiiiiiii�iii�i�iiiiiiiiiiiiiiii