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��14�1517 �f the L�an xs subjec�to a�aw which se�s ma�imum I�an charg�s, and�ha�1aw is f na��y interpr��ed so tha� the interest or other loan charges co�Iec�ed or to be collec�ed in connec�ion v�rit��he L�an�xe�ed�he permit�ed Iim�#.s, then: �a� any such�oan charge shali be reduced by�he amount necessary�a reduce�he charge to�he p�rm�t�ed limi�; and �b� any sums already collec�ed from Barrower whi�h exceeded permi�ted limits will be refunded to Borrov�er. Lend�r may�hoase t�make th��refund by r�dueing�he prin�ipal owed under�he Note flr by making a direct pay�rnen�t�Borrower. �f a refund reduces principal, the reduct�on will be�reated as a par��al prepaymen�wi�hout any prepaymen�charge�whe�her�r no�a prepaymen�charge �s pro��d�d for und�r�he No�e}. BorroWer's acceptance af any su�h refund made by direc�paymen��o Barr�wer w�l� �ons�i�ute a waiver�f any righ�flf action Barrawer m�ght have aris�ng ou�of such overcharge. 'I 5. N�ti�es. AII noti�es gi�en by Borr��nrer or Lender in connec�ion with this S��urity In��rument must be�n writing. Any natice�o Borr�wer�n conn�ct�on vv�th�h�s Securi�.y�nstrument sha�� be deemed�a ha�e been given�o B��rawer v�r�en ma��ed by f rst�lass rnail �r when actual�y delivered t�Borrov�er's not�ce address �f sen�by other means. N ot�ce to any one Borrower sha�� cons�i�ute not�ce ta all B�rrowers unl ess Applicab�e Law expressly requires o�herwise. The n�tice address shaii be�he Prflper�y Address unless Borrov�er has designated a substitute no�ice address by nfl�ice�n Lender. Borrower sha1� promptly natify Lender of Borrawer's change of address. �f L�nd��r specifies a pracedure far repor�zng Borrower's change �f address, �hen Borro�wer shall anly repor�a change of address�hrough tha�specifiec�procedure. Ther�may be only one des�gna��d nfltice address under this Securi�y�ns�rument at any one time. Any no�rce �o L�nder sha.�� be given by de�ivering i�or by mailing��by f rst��ass ma��o Lender's ad�ress s�ated herei� unl�ss Lender ha� designated another address by natice to B�rrower. Any n�tic�in connec��n w�th this Security�ns�rument�ha�I not be deemed�o hav�b�en g;iven�o Lender until ac�ually recexved by Lender. �f any n��ice required by�his Security�ns�rument is also�equired under Applicable La�v, th�Applicabie Law requiremen�wi11 satisfy the c�rresponding requirement under this Securxty�ns�rument. 'I s. �o�erning Law; Se�era�il�ty; Ru1es af Gonstruct��n. Th�s 5ecuri�y�nstrumen�shall be govern�d by federai law and�he law�f�he jurisdic�ion in which the Property is loca�ed. A��righ�s and obligat�o�.s contained in th�s Security�ns�rumen�are subject�a any requirements and�imitatzQns of Applicable Law. Applicable Law m�gh�exp��ci��y or imp�ic�t�y allaw�he parties ta agree by contract or i�m�ght be sz�ent, bu� such si�ence shall not�e c�ns�ru�d as a prahibition against agreemen�by con�ract. In the event that any pro�is�on or clause of this Secur��y Instrument or the N�te�onfli�ts v�ith Applicable Law, such conf��c�sha.l� no�affec�o�her pro�is�ans of th�s Securi�y Znstrument or th�Na�e which can be gi�en effect without�he conflicting pravis�on. � As used �n this Security�nstrument: �a}words Qf the masculine gender shall mean and inc�ude corre�pond�ng neu�er�ards or words of the feminine gender; �b�vvords xn the s�ngular sha�l mear�and�nclude the p�ural and vzc�versa; and(c�the wQrd "may" g�ves so�e discretion with4ut any ob�iga�ion to take any act�on. '�7. B�rrower's Copy. Bnrr�wer shall be g�ven one copy of�he Note and�f this Secur�ty�ns�rumen�. 18. Transfer of th� Pr�perty or a Beneficia� Interest in Borrower. As used in th�s Section �8, "�n�eres�in �he Praperty" means any lega� or benef cia� in�eres��n the Property, �nc�ud�ng, but no��m��ed��, thas� beneficial in�er�s�s�ransf�rred zn a bond for deed, contrac�for deed, insta�lmen�sales contra�t or escrflw agreem�nt, the �n�ent af wh�ch�s the�ransfer�f title by Borrow�r at a future dat�ta a pur�has�r. Zf a�� r any part of�he Prop�rty or any�nteres��n the Proper�y is s��d or transferred�or�f Borrov�er is not a natural pers�n and a benef cial �n�eres��n Barrower xs so�d or tra�asferred�wi�hout Lender's prior writ�en c�n�en�, Lender may require�mm�dia�e payment in fu�l of aii sums secured by�hxs Secur�ty�nstrument. However, th�s �p��n shall no�be ex�rcised by Lend�r �f such exercise is prohibited by App��cable Law. 88��5T1538 880�57�538 NEBRASI{A-5ir�gle Family-Fanr�ie MaelFreddie IVI ac UNIFQRM 1N5TRUN1 ENT WLTH M�RS Form�ozs �ra� VM P Q VM P6A{N��[�302] V11olters Kl�aw er�inancia!5ervices Page 12 af 17