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��14��374 If the Loan is subject to a 1aw which s�ts maximum laan charges,and that 1aw is finally interpreted s�that the interest or other�oan charg�s collected or ta be collected in connection with�he Loan exceed the permitted l�mits,then: [a}any such loan charge shatl be reduced by the amount necessary to reduce the charge to the permitted limit;and�b}any sums already collecte�fram Bonower which exceeded permitted limits wil�be refunded to Borrower.Lender may�hoase to make this refund by reducing the pr�ne�pal��v�d under the Note or by ma�ing a direc�payment to Borrower. If a r�fund reduces principal,the reduction wi11 be treated as a par�ial prepayment with�ut any prepayment charge(wh�ther ar not a prepayment charge is pr�vided for uader the Note}.Borrower's acceptance af any such refund made by direct payment to Borra�er wiil constitute a waiver of any right of ac�ivn Borrower might have ar�sing out of such overcharge. �I 5. Noti�es.All notices givea by Borrower or Lender in connection with this Security instrument must be in tivriting.Any nntice tv Borrawer in cvnnection with this Security Instrument sha11 be deemed to have been gi�en to Borrower�hen mailed by fust class rnail or when actually delivered to Borrower's n.ot�ce address �f sent by other means.Notice to any one Bon��ver shall cans�itute notiee to a11�arrov�ers unless Applicable La�v express�y requires other�v�se. The notice address shall be the Property Address unless Borrow�r has designated a subs�itute not�ce address by n.otice to Lender,Borrower sha11 promptly no��fy Lender of Borrower's chan�e af address. �f Lender specifies a procedure for reporting Borrower's change of address,then Borrower shall anly report a change of address tbr�ugh tha�specified procedure. There may be only one designated notic�address und�r this Se�urity Instrument at any ane time. An�nQtice tv Lend�r shall be given by delivering it ar by mailing it by fu�t class mail to Lender's address s�a��d herein unless Lend�r has designated another address by notice ta Borrawer.Any n�tice in connection with this Security Instrum�nt shall not be deemed to ha�e been given to Lender until actually received by Lender. If any notice required by th�s Security Instru.ment is a�sa required under Applicable Law,the Applicab�e Law requirement wi�1 satisfy the conesponding requirem�nt under this Secur�ty Instrument. 'I fi. G��erningLawr; Severability;Rul�s of Constructinn.This Security�nstrument shall be governed by federal law and the law of the jurisdiction in which the Property is located.A11 right�and obligati�ns contained i�this Security Instrument axe sub�ect to any requuements and limitations of�ppticab�e Law. Applicable Law might explicit�y or implicitly allow the parties t�agree by contract or��rnight be$ilent,but such silence s�all not be construed as a prahibitio�n against agreement by contract.In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law,such confl�c�shatl not affect other provisions of this Securi�Instrument or the Note which can be given effect with�ut the con.flicting provision. As used in this Security Instrument: (a)words�f the masculine gender sha11 mean and include corresponding neuter�ords vr w�rds of the feminine gender;(b}words in the singular shall mean and include the plural and vice versa;and(c)the wor�"may"gives sote discretion w�thout any obligation to ta.ke any action. 'I?. Borrower's�opy.Borrower sha11 be given ane copy of the Nat�and of this S�curity Instrurnent. �8. Transfer�af the Property or a Beneficiallnterest in Borrower.As used in this Section 18, "Interest in the Froperty"means any�egal or beneficia�interest in the Proper�y, i�clud�ng,but nat limited to,those beaef cial interests transferred in a bond for deed,cantract for de�d, �nstallment sales contract vr escrow agreement,the intent of which is the transfer of title by�arro�ver at a future date to a purchaser. If al�or any part�f the Propert�r or any Interest in the Property is sold or tran�ferred(or if Bono�ver is not a natural person an�a beneficial interest in Bono�ver is sold or transferred}without Lender's priar writt�n eonsent,Lender may require immediate payment in full of a11 sums secured by this�ecurity Instrument. However,this opti�n shall not be exercised by Lender if such ex�rcise is prohibited by Applicable Law. NEBRASKA�ir�gle Family-Fannis MaelFr�eddie Mac UN�F4RM INSTRUMEPfT WITH MERS Form 3428 1141 VMP� VMP�A(NE}(13�2}.UU Wolters Klwver F�nancial Services Page 12 of 17 qv3�3o4o�46z a��3 �� lzl� � ��.