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��14�1�93 �f the L�an is subjec��o a�a�v which sets maximum laan cha�•�es, and tha�ia�v is fir�ally �nterp�e�ed so that the i n�eres�or o�h e�• �oan cha�•ges ca 1�ec�ed a�•to be col l ec�ed i n conn ecti on wi�� h e Loan ex��ed�he permitt�d 1 imits, �hen: �a} any such ioan charge�hall b�reduced by�he amaun�necessary�o reduce�he charge�a t��e permi��ed �i mi�; a��d �U} any sums al ready coll ected frarn Barrower wh i ch exceeded perm��ted limifis vW�ll be refunded�a Bor�-owe�-. Lende�-may choose�o make this refund by reducing the prin�ipal ovWed under the Note or by n�al��ng a di�re�t payment��Barr�wer. �f a refund reduces principal, �he reduction will b�treated as a pa�r�ial �r�payment w��hou�any p�-�paymen�charge�whe�her or no�a prepaymen�charge is pro�rided fo�•under�he Note}. Bot•�•ower's accep�ance of any such �•efund made by direct pa}�ment�o Borrower vWii� c�n�titute a vWaiW�r flf any righ�of acti��1 Bar��ower migh�have arising out of such n�e�-�harge. 'I 5. Not�ces. AI1 na�ices gi�en by Borrawer ar Lender in connectinn with��ais 5ecuri�y Ins�rurnen�mus�be in wri�ing. Any no�i�e�o Bor�owe�• in connection with th�s S�curi�y�nstxu�r�ept s��all b�deem�d�a have been given to Borrov�er when ma�Ied by f rs�ciass mail or when ac�ual�y de�ivered to Bo�-�-owe�-'s no�ice address lf 5��1��3�1'a��1��" n7��.�15. No�ic�to any one B�rr�ower shal� c�nstitu�e no�ice�a all Borra�rers uniess App�icable La�v expressty r�quires o�herwise. The no�ice address shalX b�the Prflperty Address unless Borrav�rer has d�signated a substitute no��ce address by no�ice�o Lerider. Ba�•rower shali p�-omptly no��fy Lender of Bo�-rower's change af a�dress. Yf Lender specif es a pracedure for reporting S�rro�er's�hange of address, �hen Borrower shal� only report a change of address��rough that speci f ed pracedure. There n�ay be❑nly ane designated notice address under�his Secu�-ity Ins�.rumen�at any one time. Any notic� �a L�nder shall be g�ven�y deliv�r�n�; it or by mail�ng i�by first c�ass mail ta Lende�-'s add�-ess s�ated herei�� unl�ss Lender ha�s designated a��her addr�ss�y no��ce t�Bort�ower. A��y n�tice in �onnec�ion v�r�th this Se�urity Instrumen�sha�� o�be deemed�a have be�n giveri�o L�nder un�i� actua��y received by Lender. �f any no�ice r�quired by�his Secu�-ity Instt-umer��is also requi�•ed undet•Applicable Lav�r, the Applica��e Law requiremen��nrill satis�'y th�c��-responding requ�remen�under�his Security�nstrumen�. 'i 6. Go�ern�ng Law; Severabi[ity; Ru�es of Constt�uction. This Securi�y Inst�-um�n�si�a11 be govern�d by federal lavv and�he law of�he jur�sdic��n in which the P�nperty is �aca�ed. A�l rights and abligatians contained in�his Secu�•ity Ins�.�•umen�ar�subject�o any�-e�ui�-em�nts and limitat�ons of App�icable Lav�r. Applicable Lav`r might explici�ly or impliCi�l�r allovsr the pa�•�ies t�ag�•ee by con�ra�t ar it migh�be silen�, but such silence sha�l not be cons�rued as a prohxbi�ion agair�s�agreemen�by con�rac�. ��he even��hat any pr��ision o�- clause�f�his Security Instrument ar�he No�e canfl��ts�vith Applicable La�v�r, such conf�ict shal� no�affec�other prov�sians of�his Security�ns�rument or��ae Nflte whic�a can be gr�ven effect v�ithout�he conflic��ng prov�sion. As used in�h�s Security Instrurnen�: �a�words of�he masculin�gend�r shali ��ean and �nc�ude c�rres�onding neu�er v�a�ds a�-words af�I�e feminine genc�er; �� wo�•ds ��he singu�ar shaii mean and inc�ude�he p�u�•al and�rxce ve�rsa; a��d�c}the�nrord "may" gi�r�s sale discretian v�ri�haut any oh�iga��an to�ake any ac�ion. 'I 7. B�rrawer's Copy� Borrow��-shall be given�ne capy of the Note and of th�s S�curity rnstrumen�. '�$. Transfer�f the Proper�y �r a Benef icial I nterest in Borrow er. As used in�h�s Section 1 S, "Interest ir� �he P�-flperty" means any legal �r berief cial ir�t�res�in�he Frflperty, including, bu�no� limi�ed�o, thase benefic�a� in�ei�ests transfe�•red in a bond fo�•deed, con�ract fa�- deed, �nstallmen�sales contrac�or escrow agreemen�, �� intent of which is�he��-ansfer of��le by Borrovver at a future da�e to a purchaser. �f a�� or any par�of th�Praper�y ar an��n�erest in the P�-Qper�y is s�Xd�r transferred�ar if Barr�v��r is no�a na�ural �erson and a�benefic�al �n�er�s�in Borrov�re� is sold ar�ransferred�w�thout L�nder's prior wr��en �orisen�, Lender may�-equ�t-e immediate payment�n full ❑f all su�ns secur�d by�his Secu�-��y Tns�rument. Hflv�e�er, this �ptian shall ��ot be exercised by Lender if such exercise is p�-oh�bited by Applicable Law. 88U�561603 ` 88fl9561S03 . NEHRASKA-5ingle Family-Fannie M ae1F'reddie Mac UNI�ORM INSTR�M ENT WITH M�RS ` Form 3028 9l01 VM P� VM P6A�NE�{�3fl2] Walte�s K�uw er Financial ServEces Page�2❑f�7