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201401367 If the T.oan is subject to a iaw which sets maximum loan charges, and that law is finally interpreted sa that the interest or other loan. charges collected or ro be collected in. cannectian with the Loan exceed the pernaitted liunits, then: (a} any such loan charge sfiall be reduced by the amount necessary to reduce the charge to the permitted liznE'it; and (b} any sums already col�ected frann Borrower whict� exceeded permit�ed limits will be refunded to Borrower. Lender may choose to make this refund by reducing ttxe principal o�wed under the Note or by making a�_icect payment#o Barrower. If a refund reduees principal, the.reduction wzll be treated as a partial prepayment witl�aut any prepaymez►E charge {whe#her or not a prepayanent:charge is pro�vided far under the Note). Bomrower's acceptance of any such refund made. by d'u•ect payment to Borrower will cons�tute a waiver af any riglif af action Box-�rower might have arising out of snch overcharge. 15. Notices. Ali nat�ces gi�ven by Borrower or Lender in connection with this Securi.ty Inst�'ument must be in vvriting. A�y notiee to Borrower�iz� co�nnecrion with tliis Seeurity Instrument shall be deemed to have been given ta Borrawea when maiied by fust class�nail ar when accually delivered t�Bnrrower's norice address if sent by other�neans. Notice to any one Borrower shall constitute nofice to all �orra�nrers unless Applicable �.aw e�ressiy requires ot}�erwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice ta Lender. Barrawer shall. promptly notify Lender of Barrower's change of address. If Leader specifies a procedure for reparti�g Borrawer's change of address, then Borrawer shail only report a change of address throngh rhat specified procedure. There may be only one desigr�ated nafice address nnder this Securi�y Instr�ment at az�y one �ime. Any noflce to Lender shall be given by delivering it or by ma9ling it by first ciass ma.il to Lender`s address stated herein unless Lender has designated another address by notice ta Borrower. Any notice ixf connec6on �rith this Security Instrument s�all nat be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instru�nent is also required under Applicable Law, the Applicable Law reqwirement will satisfy the corresponding requirement under this Secarity Instrument. 16. Go�erning L�v►r; Se�erabili$y; Ruies af Construc�[on. '�'his 5ecurity Instrument st�all be governed by federai law an.d tt�e law of the jurisdiction in which the Property is lacated. All r�ghts and obligatio�ts cbntained in this Security Instrument are snbject to any reqnirements and Iimitations of Applicable Law. AgpIicable Law zz►ight explicitly or implicitly alIow the parties ta agree by wntract or it might be silent, buf such silence shall not be eonskrued as a prohibition against agreement by contract. In the event that any provisian or ciause of this Security Instniment or the Note conflicts with Agplicable Law, such con#7iet shall not affect ai�tiier provisions of this Security Tnstrurnent or the Note whaich can be given effect without the canflicting provision. As used in this Secur�ty Instrument: {a) vvords of the masealine gender shall mean and include corresponding neuter words ar wards of the feminine gender; (b} words in the singular shall znean a�d include the plural and vice versa; and (c) tl�e word "may" gives sole discretion wztt�out any obligation to take any action. 17. BoITowe�'s Copy. Borrower shall be given one copy of the Note a.nd of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest ir� Borrower. As ase�in this Section 18, "Interest in the Property" means any legal or benefiicial interest in the Praperty, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, tl�e inten€t of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of t�e Property or any Interest iz�the Property is sald ar transferred (or if Borrower is not a naiural person and a beneficial interest in Borrower is sold or trans�eired) withaut Lender's prior wrikten consent, Lender may reguire isnmediate payment in full of all sums secured by this Sec�rity Instr�ment. However, this option shall nat be exerczsed by Lender if such exercise is prohibited by Applicable Law. 009123873783 [001123873783] NEBRASKA-Single Family-Fannie MaelFreddie Mac UNIFORM INSTRUMENT WITH MERS Fnrm 3028 1I01 V�p� VMP6A{l�4f}(7342}.00 Wo3ters Kluwer Financ�al Serv[ces Page 12 af"l7