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201304043 <br /> If the Loan is subject to a law which sets maximum loan charges,and that law is finally interpreted so that <br /> the interest or other loan charges collected or to be collected in connection with the Loan exceed the <br /> permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the <br /> charge to the permitted limit; and(b)any sums already collected from Borrower which exceeded permitted <br /> limits will be refunded to Borrower.Lender may choose to make this refund by reducing the principal owed <br /> under the Note or by making a direct payment to Borrower.If a refund reduces principal,the 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). Borrower's acceptance of any such refund made by direct payment to <br /> Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. <br /> 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in <br /> writing.Any notice to Borrower in connection with this Security Instrument 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 if <br /> sent by other means.Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable <br /> Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has <br /> designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of <br /> Borrower's change of address.If Lender specifies a procedure for reporting Borrower's change of address, <br /> then Borrower shall only report a change of address through that specified procedure. <br /> There may be only one designated notice address under this Security Instrument at any one time.Any notice <br /> to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein <br /> unless Lender has designated another address by notice to Borrower. Any notice in connection with this <br /> Security Instrument shall not be deemed to have been given to Lender until actually received by Lender.If <br /> any notice required by this Security Instrument is also required under Applicable Law,the Applicable Law <br /> requirement will satisfy the corresponding requirement under this Security Instrument. <br /> 16. Governing Law; Severabillty; Rules of Construction. This Security Instrument shall be governed by <br /> federal law and the law of the jurisdiction in which the Property is located. All rights and obligations <br /> contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. <br /> Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent,but <br /> such silence shall not be construed as a prohibition against agreement by contract. In the event that any <br /> provision or clause of this Security Instrument or the Note conflicts with Applicable Law,such conflict shall <br /> not affect other provisions of this Security Instrument or the Note which can be given effect without the <br /> conflicting provision. <br /> As used in this Security Instrument:(a)words of the masculine gender shall mean and include corresponding <br /> neuter words or words of the feminine gender; (b) words in the singular 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. Borrower's Copy.Borrower shall be given one copy of the Note and of this Security Instrument. <br /> 18. Transfer of the Property or a Beneficial Interest in Borrower.As used in this Section 18, "Interest in <br /> the Property" means any legal or beneficial interest in the Property, including, but not limited to, those <br /> beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow <br /> agreement,the intent of which is the transfer of title by Borrower at a future date to a purchaser. <br /> If all or any part of the Property or any Interest in the Property is sold or transferred(or if Borrower is not a <br /> natural person and a beneficial interest in Borrower is sold or transferred)without Lender's prior written <br /> consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. <br /> However,this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. <br /> 001123624851 =bank 3.2.69.15 V4 <br /> NEBRASKA-Single Famfy-Fantle Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS Form 3028 1101 <br /> VMP MA <br /> ge(12 0o5f)00 <br /> Wolters Kluwer Financial Services <br />