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��14�15�4 Yf the Loan is sub j ect to a taw whi�h sets maxim�m loan charges,and that�a�is finally�n�erpreted so�hat t�.e inter�st or oth.er laa�charges co��e�eted or to be col�ec�e�in�onnectia�n v�ith the Loan exceed.th� permitted limits,then: �a)any such loan charge sha�l be reduced by the amount necessa.ry to reduce the ��arge ta the permitt�d�imit;and(b}any sums already coll�cted from Borraw�r�uhich exceeded perm.itted limits wi�I be refunded to Borrower.Lender may choose to make this refund by reducing the prin.cipal o�ve�. under the Note or by making a dire�t payment to Borrower, If a refund reduces principal,the reduction tiv�ll be�reated as a partial prepayment w�thout any pr�payment charge(whether or not a prepa�ment charge is provided far under the Note}. Borrower's a�cep�tance of an�such refund made by duect paymen�to Borrower will constitute a wai�er of an}r right of action Borrower might have ar�sing out of such overcharge. �I 5. Nots��s.All no�ices given by Borrawer or Lender in connection r�ith this Security Instrum�nt must be in writ�ng,An�notice to Borrower in cannection with this 5ecurity Instrum�nt sha11 be deemed to have b�een given to Barrower when mailed by first class mail or when actually deli�ered to Borrower's notic�address �f sent by other means.I�otice tfl any one Bortower s�Za�l cons�itute notice to a11 Borrowers unless Applicable Law expressly requires otherwise. The notice address sha11 be the Property Address unless Borro�ver has des�gnated a substitute notrce address by notice to L�n.der. Borrower�ha11 promptly notify Lender of B�rr�tiver's change of addre�s. If Lender specifi�s a pracedure for reporting Borro�ver's change vf address,then Borro�uver sha11 on�y report a change of address through�hat specif ed pracedur�. �There may be on1�one d�si�nated notic�address und�r this Securi�ty In�trument at any one time.Any notice to Lender sha11 be gi�en by delivexing it or by mai��ng it by first c�ass mail to Lender's address stated herein unles�Lender has designated another address by notice to Borrawer.Any n.otice in con.nection with this Security Ins�iment shall not be deemed to ha�re been gi�en to Lender until actually received by Lender. If any notice re�uired by this Se�urity Instrument is also required under Applicable Lativ,th�Applica�le Law requirement wi11 satisfy the corresponding requirern�nt under this Security Instrument. '�S. �a�erningLaw; Se�erability;Rules of Construetion.Th�s Security Instrument sha��be go�erned by federallaw and the law of the jurisdict�on in�vhich the Property is located.A11 righ�s and obli�ations contained in this Security Instrument are subj�ct to any requirements and limitat�ons of Applicable Law. Applicable Law might explicitly ar implicitly a�1ov�'the parties ta agree by cantract or it might be silent,but such s�lence shall not be construed as a prohibi�ion against agreement by con�ract. In the event that any provision or clause of this SeGurity Instrum.ent ar the Note conflicts with Applicab�e Law, such conflict sh�11 not affect other prov�sions of�this Securi�ty Instrumen�or the Nate whrch can be given effect without the conflicting provision. As used in this Security Instrumen�: �a}words of the mascu��ne gender shall mean and inc�ude correspvnding neu�er words ar words of the femiair�e gender; �b}words in�he singular�hall mean and inc rude the p lural and vice versa;an�.{c�the word"may"gives sole discretio�without any obl.igation tn ta.ke any aCti�n. �I 7. �orrowe�'s Cvpy.Borro�ver shall be giv�n ane copy of the Note and af this Security Instrument. 'I 8. Transfer of the Proper�y or a Benefic�a��ntere�t in Borro�n►er.As used in this Sec�ion 18, "Interest in �he Property"m�ans aay lega�or ben�ficial interest in the 1'roperty,includin�;,bu�not lirnited to,those beneficial interests transfened in a band for deed,cantract for deed, installment sa1e�contract or escrow agre�me�.t,the�ntent of vvhich is the transfer of titl�by Barrower at a future date to a pur�haser. if a�I or any part of the Property�r any In�erest i�the Property is sold or transferred tor if Borrower is not a natural pers�n an�a benefic�al interest in�orrower is sold or transferted}without Lender'�prior written c�nsent,Lender may requ�re immediate payment in fu11 of all sums secured by this Security Instrument. However,this option shall not be exercised by Lend�r if such exercise is prah�bited by Applicab�e Law. NEgRASKA�ing�e Family-Fan�ie MaelF�edd�e Mac UNIFORM INSTRUMENT VHITH N1ERS F�rm 3fl�81141 VMP� VMP6A(NE�(1342].d4 Nioi#er�Kluwe�Financial Services Page 12 of 1? q�33238�429� QZ33 26� 1�1�