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��14��34 If th� Loan is subje�t to a law which sets maxirnum loan charges, and that law is final�y interpreted s��hat th� int�rest �r other laan charges �oll��ted or to be co�lec�ed in conne�tion with the �oan ex�eed th� permitted limi�s. then; ta} any such Ioan charge sha�! be reduced by the am�unt necessary to reduce the eharge to the p�rm�tted limit; and �b} any�ums a�ready colle�ted from Borr�wer wh��h exce�ded permitted �imits will b� refunded t� Borrower. Len�er rnay�hoo5e to make this refund by reducing the prin�ipal �wed under the Note or by making a d�rect payment to Bvrrawer. If a refund reduces principa�, the redu�tion wifl be treated as a partial prepayment without any prepayment tharge �whether or n�t a prepayment charge i� pro�ided for unde� the Note�. Barrower's aC��ptance af any su�h refund rnade by dErect payment to B�rrower wi�l �onstitute a waiver of any right of a�tion Barrower might ha�e arising out of such over�harg�. 15. N�tices. All not�ces gi►►en hy Barrower �r Lender �n connection with this 5e�ur�ty Instrumen� must be in writ�ng. Any n�t��e to B�rrawer tn tonne�ti�n with thi5 Se�uri�y Instrument shall be deemed to have been given tv 8orrower when maifed �y fir5t�lass mail or when actuafly de�i��red to Bo�rawer's noti�e address �f sent by other means. Noti�e to any one Barrawer sha�I const�tut� notice to at I Borrowers unless Appl icah�e Law expressly requires otherwise. ThQ notite address shall be the Pr�perty Address wn�ess Borrower has designated a swbs�itute notite address hy n�tice to �ender. Borra�►er sha�l pr�mpt�y notify �ender �f Borrawer's thange of address. If �end�r spe�ifies a pra�edure f�r rep�rting Borr�rrver's �hange af address, then Barrawer shafl only report a thange of address through that spe�if�ed procedure. There may be only one designated n�tite addr�ss under this Setur�ty In�trument at any one time. Any noti�e ta �ender sha�l be g�ven by de[i�erin� it or by mailing it by fir�t�las5 mai� to �ender's address stated herein un�ess Lend�r has de5ignated an�ther a�dress by n�tice to Borrower. Any n�tice in �onne�tian with this 5ecurity�nstrument shal� n�t be deQmed to ha�e be�n gi�en to Lender until actua�ly re�ei��d by �ender. If any notiee requ�red by this Security Instrument is also required under App�itable �aw, the Appli�able �aw r�quirement wilf sati�fy the�arrespond�ng requirem�nt under this Se�urity Instrument. �6. Go�erning �aw; Se�erahiiity; Rules �f Constructi�n. This Se�urity Instrument shall he governed by federal law and the law of the juris�iction in which the Pr�perty i� I��ated. Alf rights and obligati�ns contain�d in �his 5ecurity �nstrument are subject ta any requirements and limitations of Appl�cable Law. Appli�abie Law might�xplicitiy or implicitly allaw the parties to agree by contra�t or it might be sil�nt, but such si lence sha I� nvt be c�nstrued as a proh i bition aga i nst agreement hy �ontra�t. In �he e�ent that any pro►►isi�n or�lause of this SQ�urity Instrument or the Note conf�itts w�#h Appl�cable �aw. su�h �onflitt shall not affe�t other pr��isions of �his Se�urity Instrument or the Nvte whith ean be gi�en effe�t withaut the confl�cting pro�ision, As used in this Se�urity In�trument: �a)wards of the �nas�uline gender shall mean and in�fude �orresponding neuter words or words of th� f�minin� g�nder; {b} words in the singular shafl rn�an and �nclude the p�ural and vice versa; and ��}the word "may"gi��s sole�isCretivn without any obligation to take any a�tion. 17. Barrower's �apy. Borrower sha�l be gi��n one cvpy of the Note and of this 5e�ur�ty Instrument. 1$. Transfer �f the Prvperty vr a Benefi�ial Interest in Barrower. As used in this Se�tion 1$. "Interest �n the Pr�pertyif ineans any �egal or benef�cia! interest in the Property, ineluding� but not �imited to, those h�n�fic�al interests transferred in a band for deed, contract far deed. ins�allment sales contrac� or escrow agreemen�,the intent�f which is the transfer of titl� by Barrovrrer at�future date to a purchaser. If a�� or any part of th� P��perty or any Interes� in the Property is safd or transf�rred�or if Borr�wer is not a natural pe�5on and a beneficial int�rest in Borrower �s sold vr transferred} without Lend�r�s prior written consent, Lender rnay require �mmediate payment in full of all sum� s�cWred hy this 5e�urity In�trument. Hower►er.thi��ptiQn shall not�e exercised hy �ender if su�h�xercise is proh�hited by Applicable �aw. 0�11�3984fi35 [itibank 3.�.84.07 V� NEBRASKA3ingle Famiiy�anr�ie MaetFreddie Mac 11NIF�RM INSTRUMENT WITH MERS Forrn 30�8 1I09 vMP� VMPfiA(iVE}{�302).DO Wvlters Kluwer�inancial 5ervice� Page 1 Z vf 17 i � �