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��14�1455 <br /> If�he Lo��n is�ubject to a l�v��wl�icll sets maximum laar�cha�ges, and tl�at la�i�f��-�a�Iy i��terpi•eted so that <br /> t�ae interest or other loan charg�s collccted or to be collected in connectio�n�uit1Y the Laan exc�ed tl�e <br /> per�z�ittecf Iit2iits, then: �a�a�i�such loan charge shall he r�duced Y�y the at�aou��t tYecessary to reduc�the <br /> charge to the per�nitted limit; and�b}any�ums already collected fr�m Borrower which exceeded permitted <br /> limit��vill he refundec�io Bo1-rower. Lend�r may choo5e ta mak�thi5 refund hy i-e�iucing the p7-incipal nwed <br /> under the Note or�y makin�a direct payment to I3orrawer. �f a refund reduces principal, the reduction��ill <br /> be treated as a partial prepayment witl7out any prepayme�t charge(whether or not a prepayment charge is <br /> p�-o�ic�ed for ur7der the Note�. Borro�ver's acceptance of any su�h refund n7ade hy direct payment to <br /> �3E�rrnwer will canstit�ate a w�i�er af�ny rig��t of action Barrower might h��e�.rising o��t nf sueh o�erch�rge. <br /> 1�. hlotiGes. A1�natices�i�en by Borrov�er ar Lendex•in cannection vvith this Security�n�trum�n�must be in <br /> ���riting. Any�noti�e to Borrower in connection with t��is Securiry�nstr��ment sh�i he deemed tfl h���been <br /> �;iven ta F�orrow�r when n�ailed�y fii st�lass mail or�hen actually deli�•ered to Borrower's nati�e address <br /> if sent hy otl7er m�ans. Noticc to a��y one Borrav�cr shall constitute notice to all Borro�vers unless <br /> Applrcable Law�xpr�ssly requires otherwise. The t7�tice adr�ress shall b�the Property A�idr�ss uY�les� <br /> �3orrov��er��as d�si�nated a substitute notice address by no�iee to Lender. Borrower��all prompt�y natify <br /> �_1en�er❑��F3orrowei-'�char�g�of��cldre�s. If Lender����ifie�a prc��ec�ure Tar re�arti��� �iarrower'�chan�c; <br /> of address, tl�en Borrav�rer sha�l only report a c��ange of address througl�that specified procedure. <br /> ri~h�re tnay be only o���d�signatied taotic�addr�ss utider this Security�nstrumer�t at at�y o�7e ti�71�. At�y��atice <br /> t�Le��der�hall be gi�rer�by deli�ea•irig it or by mailix�g it�y first class mail to Lender's address stated llerein <br /> unl��� r�enc��r ha�de�i�natec.�an��her��ddre�5 hy noti�:e lo�3carravver. Any notiee in c;nnn�c�ion�vit�� ihis <br /> .5ecurity�nstrument sha�I not he deemed tfl h��e been�iv�n to Lender u�til actually recei�ed by Lender. If <br /> iiny notice reguired by tl�is Securit�Instr��ment is a.lsa required under Applicabl�L�w, the App�i��ble L,��u <br /> �-e�uireme�-�t�nri�� satisfy the correspondin�reguirement under this 5ecurity Ir�strument. <br /> 1�. �o�erning �aw; S��era�xlity; Rul�s of Construction. Thi�5ecurity�n�trum�nt �hal] b�gn�ernec.i by <br /> Federal law and the law of the juri�dictian in vvhich t11e Propert�is laca�ed. All rights and flbli�atior�s <br /> contained in this Security�nstr��ment�re�u1��ect to�1�y requirements and Iirnitations of Appizcable Law. <br /> Applicable Lau�might explicit�y or irnpl�citly alla�v the par�ies to agree by contract or it Ynig11C be silent, �ut <br /> such silence shal�not be co��str�.icd as a prohibi�ion a�ainst agreemcnt hy contraet. In tlae c�ent that a��y <br /> provis�an or clause�f t��is S�cux•ity Instru��e��t ar the Note conflict�w��h Applicab�e Law, sucl7 corxflict shall <br /> Yaot affect otl��r pY•ovisions of tl�is Security�nstrumen�or tl�e Note wliich can�e gi�en effect without the <br /> c:c�i�i`lzcting Prn�ision. <br /> As u�ed i� this Sccurit�Instrumcnt: �a�words of tlae masculirYe�ender sl�all mcan and inc�ude correspo�ndirlg <br /> r�eutex-words ar wards af the fe���ini���g�t�der; �b} words iY�th�sin�ular shal�tx��an axrd i��clu�e tl�e plural <br /> ��nd��ice Wer�a; and (c} t��e word "may"' gi�e�so�e diseretion without any abligatian ro take a��y action. <br /> 17. Bo�'�`�we�''S CC�py. Borra«er sl��il�e gi�en one ca�y of the N`ote and of thi�Security�ns�rument. <br /> 18. Trans�er of the Praper�y or a 6eneficia� In�eres� in &��rower. As used i� thi�Sectian �b, "In�er�st in <br /> �l�e Propert�" meaY7s any Ie�al or beneficzal�nterest�n t��e Praperty, inc�uding, bu�no�limited ta, thase <br /> hex�e�cial interests tr�Yasferred in�t�ond for deed, contr�ct for deed, in�tallment s�les contract ar escrow <br /> �igreernent, t��e inte��t of whic��i5 tl�e transfer af title by Barrower at a future date to a purchas�r. <br /> Ir�tll ar�ny p�rt af t��e Proper�y or any�nterest in the Froperty is sold ar transferred (ar if Borrower is nat a <br /> r�atural person and a ben�ficial i�ltere�t in Bat•rovve�•is sold or transferred}witllo��t Le��dei's pY•ior w�itter� <br /> cori�ent, Lender may requi�•�immcdiat�paymeY�t in full af a�l sums�ecured by this Sccurity rnstruincY�t. <br /> Hawe��r, �his opt�a��shal�not b��xercised by L�nder if suc�l�x�rcise is prohihited �y App�icable Law. <br /> �[l�4-24�i��03 1�(�0497DOC}12�7286�i 5857 <br /> N�BRASKA-Singl�Family-�anni�MaeiFreddie Mac UNIF�RM lNSTRUMFJIIT WITH MEF-�S Form 3�28�Ia1 <br /> VMP�� VMP6A�N�}[1��2� <br /> Walters Kl�w er Fi�ancial Services 311 a12a14 9:�6 AM Page 1�of 17 <br />