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��14�1557 If the Loan is suhjec� ta a Ia�r wh�ch �ets maximum loan charges, and tha� lavv is finally interpreted so that the interes� or other loan �harges c411ected ar to be collect�d in connec�ion vv�ith the Laan exceed �he permit��d limits, th�n: (a} any su�h k�an charge shal� be redu�ed by the amount n�cessary �o reduce the charge to the permitted limit; and �b} any su.ms aiready colle�ted from Borrovver wh�ch exceeded permitted limits wi11 be refund�d#o Borrower. Lender may choose t� tnake�his r�fund by reducing the principal �wed und�r�he Note or by making a dir�ct payment to Barrawer. If a refund reduces pr�ncipal, the reduction wil� be treared as a partial grepayment vvithout any prepayment charge (whe�her or not a prepayment charge is prvvided far under the Nflte}. Borrower's acceptance of any such refund made by direct payment to Borrovver wi�l constitute a vvai�er af a�►y right�f action Borrower might have ar�sing out of such avercharge. 15. Not i�S. Al1 notices g��en by Barrower ar Lender in connection vvith �his Securi�y Ins�rurnent must b� in writing. Any notice to Borrower in cvnnection w�th this Security Instrurnent shall be deemed to ha�e been gi�en to Barrawer when mailed by fir�t class mail�r when actually de��ered to Borrower's notice address if sent �y other means. Noti�e to any o�e Borrow�r sha11 canstitute natice to a�l Borrowers unless Applicabl� Law express�� requires otherwi�e. Th� notice addr�ss sha�1 be the Property Addr�ss unless Barrower has designated a substitute natice address by n�tice to I�ender. Borra�er sha11 promptly notify Lender of Borrower's �hange of address. If Lender specifies a procedure for reporting Borrflwer's change of address, then Borrower shall vnly report a change of address thrnugh that specified procedure. There may be on�y one designated natice address under th�s Security�nstrumen� at any one time. Any nvtice to Lender sha11 be gi�en by deli�ering it or by ma�ling it by first class mail t�Lender's address s�ated herein unless Lender has designated anather address b� notice to Barrow�r. Any notice in cannectian with this Securit� Insfirurnent s�a�.i nat be deem�ed �o have been gi�en to Lender until actually rece�ved by Lender. If �n� n��ice require�l by this Security Instrument is a�so r�quired under Appiicabl� Law, the Appiical�le Law r�quiremen�t will satisfy th�corresponding requiremen�under this Security Instrument. 1 fi. Go�erning �a►�v; S�V�wdblllty; F�UI@S �f CDnst�"�,ICt i�n. This Security Instrument shal� be ga�erned by federal law and �he law of �he �urisdictian in which th� Property �s located. All rights and Ql�liga��ons �onta�ned in th�s Security Ins�rurnent are subject to any r�quiremen�s and �imitations of Appi�cable Law. Appl�Gable Law might explic�t�y or impli�it�� allow the parti�s to agree by contract Qr it might be silent, but such silence shall not be c�nstrued as a proh�bition against agreement h� con�ract. In the e�ent �hat an� provision �r clause�f�his 5ecurity In�trument or th�Note conflicts wi�th. Applicab�e Law, such c�nflict sha�l nvt affect ath�r prov�sians �f this Secur�ty Instrument ar the l�ote which can be g��en effec� w�thout the c�nfl�cting pr�visi�n. As used in this 5ecuri�y Ins�rumen�: �a) words of th�masculine gender shal� mean and include correspanding neut�r words or �vords of the feminine gender; (b} words in the singular sha11 mean and �nclude the plural and�ice�ersa; and�c} the word "may" gi�es sole discret�on�ithout any ah�iga�on to take any action. 17. B[�r!'�w er`S C�py. Borrower shall be g�ven ane cap�of the N�te and af�his Security Instrument. 18, Transfer af the Proper#y ar a f3�nefi�Eal �nterest in �orrower, As used in this Sec�ion 18, "In�erest in the Fraper�y" means any ��gal ar beneficial interest in th� Property, inc�ud�ngy bu� no� ��mited to, those beneficial in�erests �ran�ferred in a bond for deed, cvntract far deed, insta��m�nt sales contract ar �scrow agreement, the intent of which is the t�ansf�r of title hy Borrower at a future date to a purchaser. If a�l or an�par�of the Praperty ar any In�erest in the Prapert�r is salt�ar transferred(or �f�orrower is not a natural person and a benefi��al intere�t in Borro�ver is sa�d ar �ransferred} w�thflut Lender's priflr �rritten consent, Lender may require irnmedi.ate payment in ful� of all sums secured b� this Security Instrurnent. Hvwever, this aption shal�not be exer�ised hy Lender if such exercise�s prohib�ted by Applicahle Law. On 11�38fifi994 [�011238fifi994] NEBRASKA-Si�gle Family-Fannie MaelFreddie Mac LJNIFORM�NSTR�MENT WtTH MERS Form 3U28 11A1 VMP Q VMP6A�NE)�13Q2}.QQ Wa�#ers Kluwer Fnancial SeNices Page 12 of 17