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��14��33� If the Loan is subj�ct to a la�v which set�n�.aximum loan�harges,and that law is fin.ally int�rpreted sv that the interest�r other Ioan charges collected Qr ta b�colle�ted in connection with the L�an exceed the permitt�d Iimit�,then: (a�any su�h�aan charge sha��be reduced by the amount necessary to reduce the charg�ta the permitted limit;and�b)any sums a�ready coll�cted from Borro�er�hich exceeded permitted lxmrts wi��e refundec�to�3�rraw�r. i�ender may choose to make this refund b�r�d�ci�t�t�e�rYncYpa�a�ved under the N�te�r by making a direct paym�nt to Borrower, If a refund reduc�s principal,the reduction will be�reated as a part�a�prepayment tivithout any prepayment charge[whether or nvt a prepayment charge is provided for under the Note].Borrower's aGceptance flf aay such refund made by dir�ct payment to Bonavver wi1�constitute a wa�ver af any right of action Bvrrower might have arising out�f such overcharge. �5. �1lotir��.A��not�ces g��ren by Boar�-o�re�o��e�deF�n connec�i�n w�th t�.is�ecur�t�Ins�rum�r�t�u�t be in wr�ting.Any notice ta Borrovver�n connection�vith this Se�urity Instrument sha11 be deemed ta have been giv�n to�orrower wh�n mailed by f�rst class mail�r when actually delivered to Borrower's notice add.ress if sent by oth�r m�ans.l�Totice to any one Borravwer sha11 constitut�notice to al�Barrowers un�ess Applicable L►a�ea�pressly r�quire��ther�vi�e, The notice address shall be the Property Addres�unless �orrower ha�d�signated a substitute�otice address by notice ta Lender. Borto�ver shal�prompt�y notify Lender of�arrower's change of address. If Lender specifies a procedure for repor�ing Borrower's�hange of a�dress,then Borrower shal�onl�r report a ehange vf addr�ss throug�.that�pecified pr�cedure. Th�re may be only ane d�signated notice address under thrs Secur�t�Instrument at any one time.Any not�ce to Lender sha11 be gi�en by d�livering it ar by mailing it by first�1ass mail to Lender's address stated herein unle�s Lender has designated an�ther addr�ss�y nvtice��Barrower.Any notice in conneGtion with this Secur�ty�nstrument sha�1�.at be deemed ta ha�re been g��en to L�nde��.t��actua�Zy��cei�ed by Lender. �� any noti�e required by this Security Instrumen��s a�lso req�ired under Applic�ble Law,the Applicable Law r�quuement will satisfy the carresponding requuernent under�his Secur�t�Inst�ument. '�S. Governing Law; �e�erabi�it�;Rules vf�nnstru�tion.This Security Instrument sha11 be go�rerned b� f�deralla��u and th�1aw of the juris�iction in which the Property is lo�ated.A11 right�and ob��gat�ons contaYn��a th�s�ecurxt��.str��nent are su��e�t t�any r�qu�iar�na.ents an.d��n��at��n��f Ap�al�cab�e L�aw. Applica�le La�v might explicitly or imp�icitly allow the parties t�agree hy contract or it might be s��ent,but such sile�ce sha�l not b�construe�as a prahibition against agreement by contract.I�the�vent that any provision or clause of this Security Instr�im�nt or the l�ote c�nflicts with Applicab�e Law, such conflict sha�l not affect�ther pr�visions of this Secur�ty Ynstrument or the Note which can be given eff�ct without the confl�cting pr��ision. As used in this Security I�.strument: (a}words vf the masGu�ine gender shall mean and inctude carresponding neuter v�ords or words of the feminine gender; (b}w�rds�n the srngula,r sha�l mean and include the p�ural and�ice�ersa;�nd(c�the w�rd"may"gi��es sole discret�on withaut aay obli�ation to ta.ke any action. 'I?. Sarrower's Copy.�arro�rer shall be giv�n one copy of the Nvte and of th�s Security Instrument. 18. �ransfer afi th+�Proper�ar a Benefic�al�nferest�n 8ar�awer.As�s�d in t�is Sec��a�.�8, "Inter�st in the Prap�r�y"means any legal�r beneficial interest in the Froperty, including,but not limited t�,those beneficia�int�rests transferred in a bond for deed,contract for deed, insta��m�nt sales contract or escrow agreement,the intent af�hich is the transfer�f t�t1e�y Borro�ver at a future date t4 a purchaser. If a11 or any part of the Proper�r or an�Inter�st in th�Property is sold ar transferred(or if Borrov�er is nat a �.atUra�p��rson and a be�e�c�a��ntere�t xn$or�o�v�r��s so�d�r t.ra�.sferred}wztho�t��,ender's pr�ar�ritte� consent,Len�er may require immediate payment in fu11 of a11 sums secured l�y this S�curity Instrument. Ho�vever,this option sha11 nat be exercised by Lender if such e��rcise is prohibited by Applicable Law. NEBRASKASingfe Famii�-Fannie MaelFreddie Mac�NIF�RM INSTRUMENT WiTH MERS �� Fann 34281/01 YVo ers Klc�+er Financ�al 5en►ices ViVlPfiA�Page�12 af�7 qU3325152251 4�33 309 1211