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��14��745 If the Loan is subject to a 1aw vvhich sets ma.�imum loan charges,and that la�is f nally interpreted so that the inter�st or other loan�haxges col�ected or to be�ollected in c�nnection with the Loan�xceed the permitted limits,then: (a}an��such�oan char�e sha�l be reduced by the amount necessary to redu�e the chax�e to the permitt�d limit;and(b}any sums alrea.dy�ollected fram Borrower vvhich e��eeded permitted limits��i11 be refunded to Barrovver. Lender may ch�ose to ma.ke this refund by reducing the prin�ipal o��ved under the Note or by making a d�rect payment ta Borrovver. If a refund reduces prin�ipal,the reducti�n�ill be treated as a par�ial prepayment�c�vithout any prepayment charge�v�hether or not a prepayment charge is provided for under the Note}. Borro��er's accepta.nc�❑f any such r�fund ma.de by direct payment t�Borro`�ver will�onstitute a waiver of any right of actxon Borrower might have arising out of such avercharge. 'I 5. IV�t[�es. A�l notices�iven�y Borrovver or Lender in connection«ith this Security Instrument must be in writin�.�ny notice ta Borrov��r in cvnne�tion with this Se�urity Instrument shali be de�med to have been gi�en tQ Borrfl`�rer when mai�ed b�r�irst class mail or vvhen actua,��y d�li�rered to BarrovWer's notice address if sent by other means.Notice to any one Borrower shall c�nstitute notice ta all Borr�wers unl��s App�icable Law expressly requires athe�wise. The notice address sha11 be the Pr�per�y Address unless Bvrrower has designated a substi�ute nfltice address byT notice to Lend�r.Borrower sha11 promptl�� notify Lend�r of��rrower's char��e of address.�f Lender spe�ifies a pr��edure f�r reporting Barro��er's change of address,then Borro�er shall only report a Ghange of address thr�ugh that specified procedure. Th�re may be�nly one designated r�otice address tu�der this Security Instrument at any one time.Any notice to Lender sha11 be given by delivering it or�y mailing it by first c�ass mail to Lender's a.ddress stated herein unless Lender has designated an�ther address by notice to Borrower.An��n�tice in��nnectian with this Security lnstrument sha.11 not be deemed to ha�e been gi�en t�Lender until actually r�eived by L�nder. If any notice requ�red�y�his Security Instrument i�also r�quired under App�icable a�v,the Applicable La��v requirement will satisfy the�orresponding requirement under this Security Instrument. '16. Co�ernir�g La►rv; Se�erability; Rules of�onstruction. This Security Instrument shall be governed by f�derallaw and the law af the�uri�diction in which t1�e Property is Io�ated.AlI rights and �bligations contained in this Se�urity Instrument are subj ect to any requirements arid l�mita.tions of Appli�able La��.Applica�le Lavv m�ght e�plicitlyr ar imp�i�itly aliow the par�ies t�agree by contract or it might�e silent,but such silence shall n�t be canstrued as a prohibition aga.inst a�reement by contract. In the e�ent that any provisian or ciause af this Se�urity Instrument or t�ie Nate Conflicts with Applicable La��,such canflict shal�n�t affect ather pro�isians of this Security Instrument or the Note wh�ch can be gi�en�f�ect vv�thout the conflicting provision. As used in th�s S�curity Instrument: �a)w�rds�f the mas�uline gender shall mean and in�lude corr�sponding neuter�vrds or words of the feminine gender; (b}words in the singular sha11 mean and include the plura,l and vi�e versa;and(c}the w�rd"may"give�sole discretion�rithout any�bligation to take a.nyT activn. '1?'. B�rr�w��'s �opy. Borrower sha.l.l he gi�en�ne c�py of the Note and�fthis S�curit�r Instrument. '18. Tran�fer vf the Property or a Beneficial In#erest in �orrvwer. As used in this Section �$, "Interest in the Praperty"means any 1ega�or b�ne�icial interest iri the Proper�y,inCluding,but not�imited to,those beneficial interests transferred in a band for deed,�ontract for deed,installment sales contra�t or escrow agreement,the intent�f which is the transfer oftitle by Borrov�er at a future date to a purchascr. HCFG-DOC359 NEBRASKR-5�ngle Family-Fannie MaelFreddie Mac EJhIIFnRM iNSTRIJMENT Farm 3a28 1101 VMP� a2114 Wa�ters Kluw�r Frnancaal Services 20141 Q104 1 0 2815-J20140429Y Page 12 of 17 *32255�14217* � �3 � �