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��14�5�59 If the Loan i�sub��ct to a law�h�ch set�ma��mum�aan charges,and that law is fina��y interpreted so that �he interest or other I�an��a�ges coll�cted or t�be collected in canne�tivn�ith the Loan�xceed��i� permitted limits,then: �a)any such loan c�.arge shall be r�duced by the am�unt ne��ssary to reduce the Charge to the permitted limit;and(b}any�ums a�ready collected from Borro�ver which exceeded permit�ed limits�vill be refunded to Borrower.�ender may�ht�ose ta make thi�refund by reducing the principa�o�ved under the Note ar by making a direct payment to Borro�uer, If a refund reduces prin�ipal,the reduction wi11 be treat�d as a partia�prepa�rnent w�thout any prepaymen�Gharge(whether or no�a�repaym�nt charge is provided f�r under the�ote�.Borro�ver`s acc�ptance of any such refund made by direct payment to �orro�rer wi11 constitute a�vaiver of any right of actian Borrower mi�ht ha�e arising out of such overchaerge. 15, IVotiees,A11 n�tices grven by�v�o�aver or Lend�r in co�.�ctivn��,�h this Se�uri�I�s�irr��nt must b�in writing.Any noti�e to Borrower in conn.ection with this Security Instrument shall be deem�d to ha�e been given to�orrow�r when ma.iled by fust c�ass mai�or when actually delivered to Borrnwer's not�ce address if��ent�y o�her means.3�3o�ice ta any one�ono�ver shall co�stitut�n�tice to all Borrawers unless App�icable Lativ expr�ssl�r requires otherv�r�se.The notice address shal�be�he Property Address untess �orrower has designated a substitute notice address by notice to Lender.Barrower sha11 prompt�y notify Lender of Borrotiver's change of adc�re�s.If Lender specifies a proceclure for reporting Bo�ro�ver's change of address,then Borrower shatl on.�y report a Ghange of address throu�h that specified procedure. There m�y be vnly�ne d.esignated notice ad.d�ess under thi�Security Ins�ment at an�one ti�e.A�y n.otice to Lender sha11�e given by deliv�ring it or by mailing it by first class ma�l to Lender's address stated herein unless Lender has designated anather address by notice to Borrower.Any notice in con.nection with this S��urit�Instrumen�sh.a�l�at be t�ee�ned t��have�been.g�ve��o i,ender until actual�y rec�ived by Lender.If any notice required by this 5eeurity Ins�rument�s also required under Applicable La�v,the App�ica��e Law requirement wi11 satisfy t�e corresponding requirem�nt under this Security Instrument. 'I�. Go�erningLaw; Se�erahi��ty;F�ulesof Constructivn.This Secu�rity Instrumen�sha��be,gaverned by federal law�nd the 1aw of the jurisdiction in which the Proper�y is loc�.ted.A11 rights and obligati�ns contained in this Se�u�rity Inst�urne�.t are sut�je�t to any requiremen�s and�lirni�tations of Appl�cab�e La�v. Applicable La�v might explicitly or implicitly a11ow the parties to agree by contract or��might be silent,but such silen�e shai�not be cons�rued as a prohibition aga�nst agreement by contract. In the event that any �ra�ision or clause of th�s Security Ins��nent af the Note conflicts with Applicable Law,such conf�ict shall not affect other pro�isions of#his Security Instrument ar the Note wh�ch can be given effect without the conflicting provision. As us�d in this Security Instrument: (a�word�of the mascuiine gender shali m�an a�d include corresponding neuter words or words af the feminine gender; �b}�varc�s in the singular shall mean and include�he p�ural and vice versa;and(�)the w�rd"may" gives sole discretivn without any obligation to take any action. ��. Bvr�rower's Copy.Borrawer shall be given oae co�y of the Note and af this Security Instrument. �8. Transfer vf�th�Property or a �nefi�iallnterest�n�orrow�r.As used�.n t�i�Section 1$, "Interest in the�'roperty"means any lega�or beneficial interest in the Froperty, including,but not l�m��ed to,those benef c�a�interests transferred in a boad fvr deed,cantract for de�d, instal�ment sales contract or escro� agreem�nt,th�intent of which is tl�e�ransfer of title by Borrower at a fuiture date to a purchaser. If al�or any part of the Praperty or any Interest in the�'roperty is sold or transferred(ar�f F3arrower is not a naturai person and a beneficial interest in I��rrower is s�ld or tran.sfened)�ithout Le�der's pr�or�tten can.sent,Lender may require immediate paym�nt in fu��of all sums secured by this Se�urity Instrument. �Iawe�er,this option shall not be exercised by Lender if such ex�rcise is prohibited by App��cable Law. NEBRASKA�ingle FamiFy-Fannie MaelFreddie Mac UNfFQRM lNSTRUMENT W1TH MERS Farm 3�28 11D1 Vlrolt��Klr�wer F�r►anc€al Services VMPfiA[Ra�e�12 of 1�7 q�333481174� ��33 324 1217