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��14��4 If the Loan is subj ect to a law which sets maximum loan charges,and that�aw is finaliy interpre�ed sa that the�nteres�ar other loan charg�s collected or to be callec�ed in connect�on�vi�h the Loan exceed the permitted lim�ts,then: �a}any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and(b}a�.y sums already collected from Bor�'ovver which exceeded permitted lirr��ts��be Fefunded t�Borro�er. Lender may choose ta make this refund by re�ucing the pxincipal o�ved under the Note or b�making a direct pa�rm�nt to Borro�ver. �f a refund reduGes principal,the reduction�i�� be treated as a partial prepayment without any pre�ayment charge�whether or no�a prepayment charge is � provided for und�r th�No�e}. Borrower's accepta.nce af any�uc�refund made by du'ect payment to Barro�er wil�constitute a waiver of any ri�ht af action Borro�ver might have ar�s�ng out of such overcharge. �5. Notice�.A�� n�tices give�.b�Barrower ar Len�ler in connection wit�thrs ��curity�ns�rumen.t must be in v�riting. Any notic�to Bo�ro�ver xn connection with this Seeurity�nstrument shall b�deemed t�ha�e been given to Borrower when mailed by�rst class ma�l or when actualiy delivered ta Borrower's natice address if sent by other means.Notice to any one Barrower shall cansti�tute notice to al1 Barrowers unless Applical�le Law expressly requ�res atherwise. The n��ice address sha�l be the Prop�rty Address unless F3orrower has designated a subs�itut�notice address by notice�o Lender, Bonrawer sha11 promptly notify Le�der of Borro�er's change of address. �f Lender�pecif es a procedure for�e�ar�ing�orro�ve�'s change af address,�hen Borrower shall anly rep�rt a change of address through that spec�f ed procedure. There may b�anly one de�ignated notice address under�his Security Instrument at ar�y one time.An�r n�tice to Lender sha11 be gi�en by de�ivering it or by rnaiiing it by first class mail to Lender's address sta.ted her��n unless Lender has des�g�ated anoth�r ac�d�ress by natice to B�rrower. Any notice in connection with th�s Security��.strun�e�t�ha��not be de�med ta ha�e be�r�g��en�o�ender�r�t��a�tua��y�ec�x�ed b�Lender. If an�natice re�u�.red by�hi�Security Instrument is a�so required und�r Applicable Law,the Apg��cable Law requiremen��rill satisfy the carrespond�ng requirernent under this Security Instrument, '�S. Co�erningLaw; Se�erabi#�ty;Rules of�an�t�uctian.�'his Securit�Instrum�nt sha�1 be g�vern�d by federa��aw and the la�v of the juri�diction in which the Prop�rty is�ocated. All ri�hts�.nd obii��.tions co�.tained�n this�ecurity Instrument are subje�t t�an�requirements and lim�tations of Appiicable La�. Applicable Lavv might explici��y or imp�icitly allovv the par�ies to agree by con�ract or it migh�be silen�,but such silence shal�n�t be construed as a prohibition agains�agreement by contract. �n the even�that any provision or clause af this Securi�y Instrurnent or�he Note canfl�cts with App�icable La�v, such canflict sha�l not affect o�her provisions of�his Security�nstrument or the Note v�rhich can be gi�en effect wi�haut the conflict�ng pro�ision. As used�n this Securi�y Instrument: �a}wards of the�rnascul�ne�ender shall mean and include correspanding neuter words or words of the feminine gender; �b)�ords in�he singular�hall mean and include the plurai and vice�versa;and�c)the word "may" gi�es sa�e d�scretion without any abliga�ion ta take any action. '�?. Borrow�r's�o�y.�orra�ver sha1�be gi�en�ne copy of th�Note and af this Securit��nstrument. �I 8. Transfer af the Pro�er�ty�r a Benef�ciailnterest in 8�rrower.As used �r�this SectiQ�.�S, "�nterest in the Property" means any I�gal ar benefic�al interest in the Prope�ty, �ncluding,but not limited to,those benef�cia�interests transf�rred in a bond for deed,contract far deed, instal�ment sa�es contract or escrow agre�ment,the intent of whiGh is the transfer of title by Barrower at a future da��fl a purchaser. If all or any part of the Proper�y or any�nterest in the Property is sold or transferred��r if Borxo�er is not a �.atura�person�and a ber��f�c�a� �nter�est in Borro�er�s sa�d gr transferred)�it�out I�ender's�rior tiv�-�tten consent,Lender may require irnmediat�payment in fu�l of all sums secured by this Security Instrumen.t. Ho�ve�er,this option shal�not be exercis�d by Lender if such exercise is prohibited by Applicable Law. NEBRASKA-Single Family-Fa�nie MaelFreddie Mac�NIFflRM INSTRUMENT WITH MERS Farm 3028 1fU� VMP C7 VMPfiA(NE}[1342}.�� Wolters Kluwer Fir�an�ial Ser�ices Page 12 a�� q�33Z90537g5 Q�33 555 1217