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��14��5�9 <br /> �If t��e Loan is sub�ec�f�a�aw which sets max�mum laan claarges, and tha�iaw is fina�ly in�erpre�ed so tha� <br /> the interes�o�•a�he�• loan charges co��ec�ed o�-to be ca�lected in connection wi�li �he Loan exceed�.he <br /> p�rm�t�ed l�rnits, th�n: ��} an�suel� �oan�ha��e shali be reduced by the amoun�necessary ta reduce the <br /> char�;e�o th��ermit�ed lirnit; and �b)any sums alreacly coi�ected fr�m Borrower which exceeded pe�•mitted <br /> limi�s will be refunded ta Bot•�•ow��•. Lender may choose to make th�s refixnd by�-educing the principal owed <br /> under�tl�e No�e or by mak���g a direct paymet��to Bo����ower. �f a refund reduces principal, �he reduc�ian v�i�i <br /> be t�eated as a partial prepaym�nt withau�any p�•epayme��t cha�•ge�wl�eth�r or not a prepayment charge is <br /> pro�ided for under�he Nate}. Borr•ower's acceptance af any such�-efund made by diYect paymen�to <br /> �Borrawer wi 11 �onsti�u�e a wa�ver of any�igh�of actio��Bot-�-ovver���gh�ha�ve aris�ng out�f such o�ercharge. <br /> 'I 5. Nvt��es. All not�ces g�vei� by Barrower or Lender in co��nectian w��h this Securi�y Ins�rumen�must be in <br /> w�r iti ng. Any not�c��a 13a�•rawer i n con nec�i o�� wi th th i s Securi�y�nstrumen�shai 1 b�d�emed�o ha�e�een <br /> g�ven�o Bor�rower vWhen xnai�ed b� f rs�class mail or vvhen actua�ly delive��ed to Bo�•i-ov�e��'s no�ice add�•ess <br /> if sent by otl�er means. Notice ta any one BorrQwer s��a�I canstitu�e natice ta all Bar�-awers ur�less <br /> App�icab�e La�r expressly requires o�he��w�se. The notice addr�s�shall be th�Propert�Address unless <br /> Borrnwer has designa�ed a subs�i�u�e nfl�ice add�-ess by no�ice to Lender. Boz���owe�-s a prompt y�totz <br /> Lender of Borrawer's change of address. �f L�nder specifies a pra�edure for report�ng�arrow�r's change <br /> of address, �hen Barrower sha�l only repa�-t a change of address tl�rau�h�ha�specified prac�dure. <br /> There may be on�y one designa�ed notice address und�r�l��s Securi�y I��st�urne�7t at a��y ane time, �ny notice <br /> �o Lender�hall be given by delivering�t o�•by mailing�t by frs�class mail to Lende�•'s address stated here�� <br /> uniess Lender has des�gnated another address by notice to Borrower. Any no�ice in connection with�:his <br /> Secur��y�ns�rum�nt shall nat be de�m�d ta haWe been given �o L�nder unti 1 ac�ually re�eived by Lend�r. If <br /> any na�ice required by this Security�ns��•umen�is a�so requ�r�d unde��Applicable Law, ��re Ap�l�eable La�v <br /> rea�uiremen��ri11 satisfy the�orresponding requirer��ent under this Secur�ty Instrument. <br /> 'I fi. G�►►erning La►nr; Se�erabifity; Rules �f Construc�ion. This Security���strrument sha�l b�gaverned b}� <br /> fed�ral law and�he law of�he jurisdic�iol� ifl which the PrQperty is �acated. All r�g��ts and ab�igatians <br /> contained in this Secu�•i�y Yns��•umen�are subjec�to an�r r•equ��•emen�s and limita�i�ns of App�icable L.aw. <br /> Applicable Law mrght explicitly o�- �mplici�I�all�w the pa�•tie��a agree by con�ract or it might be silent, bu� <br /> such silence shall nat�e c�nstrued as a prohibition against agreemen��y contra�t. In the e�ren��ha�any <br /> p��ov�sian ar clause af th�s Securt•ity Tns�rumen�.or�he Notc confl�cts�vi�h Applicabie Law, such conflict shall <br /> n�t affect o�h��-provisions of thi� Se�ur��Ynstrumen�or th�Note�l�ic17 can be gi�ren effect w��hout�he <br /> COt7fIlCtit7��33i"�V1S10�7. <br /> . As used i�1�his Securi�y Ins�rume���: �a�v�ords❑f�he masculine gende� shali mean and includ�cQ�-respandi��g <br /> n�uter words or words of the femin�ne gender; �b}wo�•ds in the sin�ular shall rn�an and include the plu�•al <br /> and�rice versa; and�e�tl�e word "rnay" g�ves sole discre�ion v�ithou�any obligation�o take a��y actiot�. <br /> 'i 7. B�rrornrer's �ap}�. Borrower shall be�i��n ane capy�f f.he Note and ❑fthis Secur�ty �nstrument. <br /> '18. Transfer of the Proper�y or a Beneficial ln�erest in Borr�wer. As used ir�this 5ect�ot� I8, "�n�eres�in <br /> the Proper�y" ri-�eans any legal or be�ef c�al interest in�he P�-aper�y, includ�ng, but no�l�m�ted to, �hose <br /> b�riefi�ia� interests t�•ansfe�•�•ed iri a bond for•deed, con�rac�fo�•deed, �nstallYnent sales cori��act or escrro� <br /> agreemen�, �.he intenti of which is�he t��ansfei• of�itle by Sor�o�nrer at a fu�ure date ta a purchaser. <br /> If al� o�� any�ar��f the Property or any In�eres�in the Proper�:y is�old or��ansferred[or if Borrower is t�ot a <br /> natural perso��and a benef cia� interest in B�rro�ver is so�d or�ransferred}withou�Lender's p�io��vritten <br /> consen�, Lende�rnay require immed�a�e paymen�in ful� of a�� sums secured by this 5ecu�•ity�nst�•ument. <br /> Hc�wever, this ap�io��sha�1 no�be exercis�d by Lepder if such exercise is prohibited by App�icable Law. <br /> ssa����o7s ������_� saa��s�o7s <br /> N�BRASI{A-Single Family-Far�r�ie Ma�lFreddi�Nlac iJNI�ORM INSTRL1ME�lT W1TH M�RS Farm 3028 11D1 <br /> VMP Q VMPfiA[N����3023 <br /> W ali ers K1uw er Financial Services Page i 2 of 17 <br />