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��14��5 If the Loan is subject to a law�vhich sets maximum loan cha,rges��nd that lav5r is finally interpreted so that � the interest or other�aan charges co�lected or to be co�lected in connectior�with the Laan exceed the �7�I1111�C��.1IT11tS,then: �a}any such�aan char�e shai�be red�tced by the am�unt necessar��o reduGe the charg�to the permitted limit;and(b)any sums already colt�cted fram Bonow�r which exceeded permit�ed lirnits wi��be refunded to B�rrotiver.�,ender may choose t�ma1�e this refund by reducing the prin.cipal owe� und�r the 1�Tote or l�y making a direct pa�m�nt to Borro�ver. �f a refund reduces principal,the reduction�v�i� be trea�ed a�a partial prepayment without any pr�paymen.t charge�whether�r not a prepayment charg��s provided for under the Note}, Borrow�r's acceptance af any such refund made by duect payment t� B�rrQwer will constitute a waiver of any right of action�3orrower might have arising ou�of such overcharge. 'I 5. Nvt�ces.All�o��es given�b�Borro�ver or L�nder in conn�ctian with t�iis Secur�ty�n.strument must be in writing,An.y notice to�orrow�r in connection with this Security�nstrument sha11 be deemed to ha�e b�en gi�en to Borro�ver when mail�d�y first ciass mail Qr when actually delivered to Borrower'�not�ce address if sent by other m�ans.Na�tice�o an�ane Borrawer sha11 constitute noti�e to all Borrowers uniess Applicable La�v expressiy requires otherwise. The notice address sha1�be the Property Address un.less B�rrower has designated a substitute notice addr�ss by notic�to Lender.Borrawer sha11 pramptly notify Lender of Borrow�r's change of addr�ss.If Lender specifies a pracedure fvr reporting Borrower's change of address,then Borro�v�r shall only report�change�f addr�ss through that specified procedure. There may be only ane designated ao�ice addr�ss under this Security In�trum�nt at any one time.Any no��ce ta Lender sha11 be given by delivering it or by mail�ng it by first class maxl to Lender"s address stated herein unless Lender has designated another address by n.otice to Borrower.Any notice�n connectiQn with this Security�nstrument s�.a11 not be deem�d to have been given to Lender until a�tually received by Lend�r.If any nati�e re�uired by this Security Instrum�nt is also requir�d under Applicable L�a�v,the Applicable Law requirement w�ll satisfy the correspanding re�uuement under this Se�urity In�trumen�. 'I fi. Go�erningLaw; Se�erability;Rules of�onstructian.This��curity Instxument sha�l be$�verne�by federal law and the law of the jur�sdiction in�vhich the Pr�perty is�ocated.All rights and ob�igatians co�ta�ned in this Securi�r Ins�u.ment are su�j ect to any requirer�ents an�I�mitations of Applicab�e L.a�v. App�icab�e La�v might exp��citly or implicitly a�1ow the parties ta agree by contract or it might be silent,but such silence sha11 not be construed as a prohibition aga�nst agreement by cantract. In the even�that any provision or c�ause af this Security Instrument or the N�te conflicts�vith Applicable Law,such conflict sha11 nat affect other pravisions of this Secur�ty Ynstrument ar the Note which can be given effect w�thout the conflYctiag provision. As used�n this Security Instrument: (a}words of the mascu�ine gender�hall mean and inciude c�rre�pondi.ng neuter words or wards of the femin.ine gender; (b}�ords in the singular sha1�mean and include the plural and vic��'ersa;and�c)the word"may"gives sole discreti�n withaut an�r ob�igation to take any a�tion. 17. Bvrrflwer's Copy.Borrower sha11 Ue given ane copy of the Note aad of this S�curity In�trument, 'I 8. Transf�er vf th�Pr�pert�or a 8enefici��nterest in S�rrc��er.As used in this Section 1$, "In�erest in the Pr�perty"means any l�gal or beneficial interest in the Propert�,including,but not limited to,thase beneficial interests transferred in a band for de�d,contract for deed,insta��ment sales contract ar escrow agreement,the intent of�hich�s the transf�r of title by Borro�ver at a future date to a purchaser. If all or a�ay pa,�t of the Property or any Interest in the Property is sold�r transferred�or if Borr�wer�s not a na�l p�n and a be�e�'i�ial interes�in.Borrvv�er is sald�r�ansferred)without�.ender's prior�itten consent,�ender may require immed�ate payment in full of a1�sums secured by this Security Instrument. However,thi�option shall not be exercised by L�nder if such exercise is prahib�ted by Applicable Law. NEBRASI�iA�ingle Family-Far�nie AlIaelFr�eddie Nlac UNIF�RM INSTR�MENT WiTH MERS �"� ��Y� Fomn 3028 1141 VMP� V�lP6A(NEy(1342}.44 Wolters}tl�er Financiai Services Pagv�12 of'!� qU333�898537 Oz33 z�8 1217