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201210843 If the Loau is subject to a law wlrich sets ma�cimum loan charges, and that law is finally interpreted so that the interest or other loan charges wllected or to be collected in connection with the Loan exceed the permitted limits, then: (a)any such loan chazge shall be reduced by the amount neces.vaz•y to reduce the charge to the permit�d limit; and(b)any sums already wllected from Horrower which exceeded perniitted limits will be refunded to E3orrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will Ue treated as a partial prepayment without any prepayment charge(whether or not a prepayment chazge is provided for under the Note). Borrower's acceptance of any such refund made by direct paymcnt to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower ar Lender in coonection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Insuvmeut shall be decmed to have been given to Borrower when mailed by fust class mail or when acfually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Aorrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute norice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender spec:ifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may he only one designated notice address under this Security Instrument at any one time. Any notice to Lender sha11 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 13orrower. A�y notice in connection with this Security InsUument shall not be deemed to have heen given to Lender until actually received by Lender. If any notice required by this Security Insh�ument is atso required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement unda this Security Instrumem. 16. Goveming Law; Severability; Rules of Construction. Tlvs Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Insd�ument aze subject to any requirements and limitations of Applicable Law. Applicable I,aw might explicitly or implicitly allow the parties to agree hy conhact or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instnunent 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 conflicting provision. As used in ttus Security Instrument: (a)words of the maxuline gender shall mean and include conesponding neuter words or words of the feminine gender; (b) words in the singulaz sha11 mean and include the plural and vice versa; and(c)the word"may" gives sole discretion without any obligation to take any action. 17. Borrower'S Copy. Borrower shall be given one copy of the Note and of tlus Security Insh-ument. 18. Trensfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beueficial imeresu transferred in a bond for deed, contract for dced, installment sales contract or escrow agreement, the intent of which is the transfer of ritle by Borrower at a future date to a p�chaser. If all or any part of the Property or any Tnterest in the Property is sold or transferred(or if Borrower is not a natural person and a heneficial interest in Borrower is sold or hansferred)without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option sha11 not be e�cercised by Lender if such exercise is prohibited by Applicable Law. 23002�8954 D V6ANE NE9RASKA-$ingle Pemily-Fennie MxiFretlAie Mac UNIFONM INSTHUMENT WITH MENS Form 3028 1I01 VMP fp) VMPBAINEI(11051 WoHvs Kluwer Financial Sorvicee Pape 12 af 1]