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��14�7�74 �f the Loan is subject to a�aw�hich�ets maximum loan charges,and that 1aw�s finally int�rpreted so that the interest or other�oan char�es c4ilect�d or to be Gol�ected in connect�on with the Loan exceed the ��I"Iri1tt�C��1lTlltS, then; �a}a�y such loan eharg�sha11 be reduced by the amount�.ecessary to reduce the charge ta�he perm�tted limi�; and�b}any sums alre�.dy col�ected from Borrower which exceeded permitted ��mits w��be refu�ded t��rro�er. �ender rx�ay c�.00se�o�n�.ke��is refiand hy�e�iucing the princ�pal o��reci under the Note or by making a direct payment to Borro�er. If a refund reduces principa�,th�reduction will be treated as a partiai prepayment without any prepayment charge(whether�r not a prepaymea��harge is pro�ided for u�ader the Note}. Borra�er's acceptance of an�such refund ma�e by direct payment to Bonower will cons��tute a vvai�rer af any righ��f action Borro�ver m�ght ha�e arising out of such overcharge. 'I a. Notices.All notices gi�e�.by Borrower or Lender in connection�vith this Se�uri�y Instrum�nt must be in writing. Any natice to Barro�uer in conn�ction with this Secur��Instrument sha��be deemed ta have been g�ven ta Borrower tivhen mailed by f rst class mai�or when actua��y delivered to Borro�ver's notice address if sent by other means.N��ice�o any one Borrower sha11 constitute natice to a��rrowers unless Applicable Law express�y requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender, B�rro�er shall prompt�y notify L�nder�f B�rr�wer`s cha��e af address.If Lender specifies a prace�.ur�far reporting Borro�v�rts c�ange of address,then Borro�ver sha��on�y report a change�f address through tha�specified pracedure. There may be on�y one des�gnate�l notice address under thxs Secur�ty Instrument a�any ane time. Any notice to Len�.er shai�be�iven by�elivering�t or by mailing it by fxrs�class mail to L�nder's addre�s stated herein unless Lender has designa��ed another address by notice to�orrower. An�n�tice in conne�tion with this Securit��Instru�ent sha�l not be deemed#.o ha��been gi�en to Ler�der until actua�ly recei�ed b}��ende�.�f any notice required by this�ecurity Ins�rument i�also required under Applicab�e La�v,�he Applieable La�v requirement wi�l sa��sfy the correspond�ng r�quirement under this Security Instrument. �fi. Go�erningLa�; Se�era��ity;Ru�es of Gon�truetion.This Se�urity Instrument�hall be governed b� federal�a�v a�nd the law of the jurisdic�ion�n�vhich�he Praperty is�acated.A��rights and obligat�ons contained ir�this�ecurity Instrument are sub,�ect�o any requiremen�s and limi�,a.�ions�f Applicah�e La�v. Applicable La�u might explicitl�or implicitly allow th�parties t�agree by con�ract ar it might be silen�,but such silence�ha11 not be construed as a proh�bition against a�re�ment by con�ract. In the event that any provision or clause of this Secur�ty�ns�rument ar the Note conf�icts wi�h Applicable Law, such conflic�shall not affect oth�r provis�ons af this Security�nstrument or the Note which�an be given�ffect without the c�nflicting pr��ision. As used in this S�curity Instrument: (a}words of the masculine gender�ha1�mean and include corresponding neuter words or words of the f�minine gender} �b}words in the�ingular sha�l mean and include the piural and vice�ersa; and{c)the word "may"gi�es so�e�liscretian without any obligation to take any action. �7. Bvrrower's C�py.Barro�ver shall be gi�en one copy af the Note and af�his Secur�ty Ins�run�e�t. 'I$. T�ans#er of the Propert�or a �er�e��iall�terest��Bvrro►�ver.As�sed in th�s Sectior��8, "Interest in �be Property" means any�e�;a1 or bene�cial�nteres�in the Property, includxng,bu�not limited to,those bene�ciax interests transferred in a bond far d�ed,eontract for deed, instaliment sal�s contract or escrow agreement,the intent of�vhiGh is the tran�fer of�it�e by Barro�ver at a future date ta a purchaser. If a��ar any par�of the Property or an�Interest in t�e Property is sold or transferred�or if�orro�er is not a natura�person and a bene�cial iriter�st in Borrower is sold or transferr�d}without L�nder's pr�or writ�en co�.sent,Len�er may requxre immediate payment in fu11 of ai}sums secured b�this Se�urity�ns�rument. However,this option sha11 not b� exercis�d by Le�der if such exerc�s� is prahibited by App��cable Law. � ' � �� NEBRASI�CA�ingle Family-Far�nie MaelFr9eddie Mac UN�F�RM lNSTRUMENT WITH MERS � Form 3028 1149 � VMP C�J VMPfiA(NE}[13�2}.04 Wolters Kluwer Financiai Services Page 12 of 17 i � i q43333772839 �733 �44 1217