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��14��595 If the La�.n is subjeet to a la�v�vhich sets maximum loan charges,and that la�v is#�inally interpre�ed so that the interest or other loan charges col�ec��d�r�o be collected in connection with the Loara exceed the permitted limits,then: (a)any such�oan charge shall be reduced by the amouat neces�ary ta r�duce the charge t�the permitted limit;and�b}an�sums already col�eGted from Borrower tvhich exceeded permitted limits wi11 be refunded to Borrower. Lender may chaose to make this refund hy reducing the principal a�ved un�ier the Nate or by making a direct pa�m�nt to Borro�ver. If a refund reduces principal,�he reduction will be treated as a partial prepayment without an�prepayment charge(whether or not a prepayment charge �s provided for und�r the Note}. �orrower's acceptance of any such refund made b�direet payment�o Borrovwer wi11 constitu�e a wai�er of any right Qf action Barrower might ha�e arising aut of such a�ercharge. �I 5. N�ti�es,A��notices gi��n by B�rr�wer or Lender in connec��on with this Security�nstrument must be in writing, Any notice ta Borrotiver in connec�ion�vith this Security Ins�rument shali be d��med to have been given to Borraw�r vvhen mailed by fust class mail or�vhen actually del�v�red to Borrower's notice address if sent by�ther means.Notice to any one Borrawer shall constitute no�ice to all Borro�ers un�ess Applicable Law expre�sly requires atherwise. The n�tice address shal�be the property Address unless Borrower has designated a substitute notice address by notice to Lender, Borrower shall promptly natify Lender of Borrotiver's change of address. If Lender s�ecifies a procedure f�r reporting Borrower's change of address,then Borro�ver shall only repart a change of address through that specif�ed proceduxe. There may b�on1�on.e designated natice addr�ss under this Security�nstrumerit at any one�ime. Any notice to Lender shall be gi�en by d�li�ering it or by ma�ling it by first class mail to Lender's address sta.ted h�rein unless Lend�r has designated another a�ldress by notice to Borro�uer.Any not�ce in connection v�zth this Security Instrument shal�not be deemed to have been given to L�nder unti�ac�uall�r received by L�nder. if any not�ce required by thi� Securi�y Instr�men�is also required under Applicable Lativ,the Applicab�e Law requirement wi��satisfy the corresponding requ�rem�nt under this Security Instrument. 'I G. �o�erningLaw; �e►�+era�i�ity;Rul�s of�onstruetion.This Securi�y Instrument shall be g�verned by federallaw and the lavv of the jurisdiction�n which the Property is located. Ail ri�hts and obligations c�nta.ined in this Securi�y Instrumen�are sub�ect�o any requirements and l�mita.t�ons of Applicable La�v. Appricable Law m�ght explicitly ar implic�tIy al�ot�the parties to agree by cantrac�or i�migh�be s�Ient,but such silence shall not be construed as a prahrbition again�t agreement by cantract. In��e event that any pravision or clause of�his Security Instrument or the�Fote conflicts v�rith Applicable La�v,such conflict sha11 nat affect other pro��sions of this Security Instrument or the Not�which�an be given effect without the conflicting provision. As used in this Securrty instrumer�t: (a�wards of the masculzne gender sha��mear�and include correspo�.ding n�u�er words or words of the feminine gender; (b}words in the singular shail mean and ine�ude the plural and�ice�ersa; and��)the word "may"gives sole discretion�vithout any ob�igatxon ta ta.ke any aGtion. 17. Borr�ov�r�r's Copy.Borrawer sha11 be g�v�n one copy of th�N�te and of this Security�nstrument. 1 S. Transfer of the Property vr a Ben+�ficia�lnterest in 8orrvwer.As used in this Section 18, "Interest in the Propert�"means any legal or beneficia�interest in the Prop�z�ty, includ�ng,but not limited ta,those benef cial interes�s transferred in a bond foar deed,contract for deed, installment sa�es c�ntract or escrflw agreement,�h�intent of which is th�transfer�f title by Barrower at a future date to a purchaser. If all or any part of�he Property or any Interest�n the Property is sold or tran�ferred(or if Borrower is not a natural person and a beneficial inter�st in Barro�ver is sold or transferred)without Lender's prior�ritten consent, Lender may require immediate payment in fu�l of aIi sums secured by�his S�curi�y Instrument. Howe�er,this option shall not be exercised by Lender if such exercise is prohibtted by Applicable L,aw. NEBRASKA�ingie Family-Fannie MaelFreddie Mac UNIF�RM INSTFiUMENT VIIITH MERS � Form 3428 1141 VMP� VMPfiA[NE)�13�2�A4 Wolters Kluwer Fj�anciai Services Page 12 af 17 q033�1�3522� 4Z33 514 1217 �