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��14��334 If the Laan�s subject to a�aw which sets maximum loan chargesg and that�aw is finally interpreted so that the inter��t or oth�r loan charges collected ar to be col�ect�d�n eon.n.ection with t�.e Loan exceed the permitted��mi�s,then: (a�any such loan cha�rge shall be reduced by the amount necessaxy to reduce the charge to the permitted 1i.mit;and(b�a�y sums already ca��ected from�arrow�r which exceeded permitted limits wi�l'be refunded to B�rrower.i.�nder may ch�ose ta make this refun�l by redu�ing th�principal owe€� under the Note or b�ma,king a duect payment ta Barr�wer. If a refund reduces principal,the reduct�on wi�1 b�treated as a partial prepayment�vithaut any prepayment�harge(whether or not a prepayment charge is provided far unc�er the Note).Borrower's acceptance af any such refund made by direct payrn�nt to Barrawer will c�nst�tute a waiver of any right of action B�rrower m�ght have arising out of such ov�rcharge. '�5. Noti�es.Al�notic�s gi��n hy B�rro�er o��.end.er in�onn�c��on v�it�this Secur��y Instrument m�st b�e i� writing..Any notice to Bflrrower in connection�vith this Security In�trument sha1�b�deemed ta have bee� given to�arrawer when mail�d by fir�t class mail�r�vhen actually deli�ered to Borrawer's notice address if s�nt by other means.Notice ta any one�orrawer sha11 constitut�notice to al��orrowers un.less Applicable Law expressly requir�s vtherwise.The notice address sha11 be the propert�Address unless Borrower h�.s designated a substi�u�e n�tice address by�otice to Lender. Borro�ver sha�1 pr�mptly notify Lender af Borro�ver`s change of address.If L�nder speeifie�a procedure for reporting Borrow�r's change of address,then Borrvwer shall anly repvrt a change of address thraugh tb.at spec�f�ed procedure. There ma�be�n1y ane designated notice address�nder this Securi�y Instrument at any one time.Any notice to Lender shal�be give�by deli�ering it or by mai�ing it by first class mail ta Lender's addres�stated herein un�ess Lender has designated another address by notice to Bono�er.Any ao�t�ce in conn.ection w�th th�s Security instru.ment sha11 not be�.eemed to ha�e be�n g�ven ta�.ender until actually recei�ed by i��nder,If any nat�ce required by this Security In.strument is a�so required under App�icable Law,the App�icab�e Law requuement will sati�fy th�corresponding requirement under this Security Instrument. 1 G. Go��r�n�n�Law; Severab i I it�;Rules vf�onstrueti o n.This Securit��nst�-umen�shall be govern�d by federal Iaw and the�aw of the jurisdiction in�h�ch the Property�s located.A11 rights and obligations contained in this Security Instrument are subject tv any re�uirements and limitations o��.�p��cabi�Lav�r. Appl�cable La�v might explicitly or implicitly a11ow the parties to ag�ree by contract or it might b��ilent,but such s�1e�.ce shall not be c�nstrued as a pr�hibitian agair�st agreem�nt by c�a�ract. In�he event that any pra�ision or c�ause of this Security Instrument ar the N�te conflicts with Applicable Law,suc�.confli�t sha1� not affect other pravisians of this Security Instrument ar the Note�rhich can be given ef�ect u�ithout the conflicti�g provision. As used in this Security Instrument: [a}wo�ds of the mascul�ne gender sha�l mean and include corresponding neuter words or v�ords of the feminine gender;[b}�vards in the s�ngular�ha�I mean and include the plura� and vice versa;and(c)the word"may"gi�es s��e discretion without any obligation�o take any actian. '!�. Borrovr►er's Copy.Borr�wer sha11 be gi�ren one cop�of the N'ote and of this Security In.strument. '�8. Tra�s#er of th�Pro��rty or a��neficiallnt�rest in Sorrower.As use�in t�is S��tion 18, "�ntere�t in the Property"means any legal or benefi�ial inter�st in the Property, includ�ng,but not limited to,those benefic�al interests transferred in a bond for dee�,con#ract f�r deed, inst�llment saies c�ntract or escrow a�reemen�,�he int�nt of which is the transfer of title by Bor�'ower at a future dat�to a purchas�r. If all�r any part of the Froperty or any Interest i.n the Property is so�d or tra.nsferred�or if Bort�wer is not a naturat g�rsan and a b�nefic�a�in.t�rest i�.Borrvwer is so�d�r transfe�rred��vithout�ender's�rior writte� consent,Lender may requir��mmediate payment in full of a��sums secured by this Security Instrument. However,this�ption shal�not be exercised by Lender if such exerc�se is prohibited by App��cable Law. NEBRASKA�i��le Family-Fannie MaelFt�ddi�Mac LliViF�RM lNSTRUMENT WtTH MERS Form 3�2g 91U1 VMP� VMPBA�NE)(93ti2).44 Wol#ers iCfuwer Financial Services Page 12 of�7 q03325��3364 a�3 36fi 1�17