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��14�731� If the Loan is subject to a law which sets maximum loan charges,and�hat 1aw is finally interpr�ted so that the in�er�st or other laan charges collected or to be collected in cannection with the L►oan exc�ed the permit�ed lirriits,then: �a}any such loan charge sha11 be reduced by the amount necessary to reduce the charge to the permitt�d limit;and(b}an�sums already collected from Borrower wh�ch exceeded permitted �ir�i�s v�i�l be refunded�o F3onav�er.Le�der may choose to make�this refun.d by redt�c��g the principal owed under the Not�or by rnaking a direct payme�t ta Borrower. If a refund reduces pr�ncipal,the reduction wi11 be treated as a partia�prepayment without any prepayment charge(whether or not a prepayrnent charge is pra�ided for under�he Nate}. Borrawer's accept�.nce of any such refund made by direct paymen�t to Borrower wi11 constitute a waiver of any right of action Borrower might have ar�s�ng out of such overcharge. 'l 5. Noti�es,All notices give��by Borro�ver or Lender in connectio�with this Security Instr�n�ent must be in writing.Any natice to Borrower in connection with this Secur��y Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to�orrower's notice address if s�nt by o�her means.Notice to any one Barrov�er sha1�constitut�notice to a11 Borrowers unless Applicable La�v express�y requires otberwise.The notice address shall be the 1'roperty Address unless Borrower has d�signated a substitute n�tice add�'ess by notice ta Lender. Borro�ver sha11 promptly natify Lender of�orrow�r's change of address.If Lender specifies a procedure for reporting Borrower`s change of address,then Borrower�ha11 only report a change of address through that specified procedure. There may be only one designated notice address under�h�s Security Ins�rument at any one time.An�notice to Lender sha11 be given by delivering it�r by mailing it by fi.rst class mai�tv Lender's address stated herein unless Lender has designated ano�ther address by notice to Borrower.Any noti�e r�connection with�h�s Se�urit��nstrument s�al1 not be d��med�o have been give�to Len�er unt�l actually received b�i�en.der.�f any notice required by�his Secur��r Instrument is also required under Applicable Law,the App��cabte Law requirement wi11 satisfy the conespond}ng requirement under this Security Instrument. '�fi. Ga�err�ingLavv; Se�erab��ity;Rules of Construction.This Security Instrument sha�l be governed by federalla�and the 1aw of the jurisdict�oa in which the Froperty is�oeated. A11 rights and obligations conta.ined in thi�Security Instrument are subject�o an�require�ents and limita�io�.s o�Ap�licable Lav�. Applicable Law might explicitly or implicitly a11a�v the parties to agree by contract or�t might be silentA but such silence sha11 not be c�nstrued as a prohibition against agreement by contract, in the e�ent that any provision or clause of this Security Instrument or the Note conflicts with Applicab�e La�r,such conflict shall not affect other provisians of this SeGurity Instrum�nt or the Not�which can be given effect without the canflicting pro�rsion. As used in this Security Instrument: �a)words of the mascu�ine gender sha11 mean and include corresponding n�uter words or words of the femin�ne gender; �b}words in�he singula.r sha11 mean and include the plural and vie�versa;and�G}the word"may"gives s�le discre�ion�vithout any abligation to take any action. 'I 7. Bor�ower's�opy.Borrower shai�be gi�e�.one copy of the Note and�f thi�Security Instrument. 'I$. �rans#er of the Property ar a 8enef�c�allnterest�r�Sorrawer.As used in this Section 1 S, "Interest in� the Property"means any 1e�a1 or�enefcial interest�n the Property, including,but not limited ta,those beneficial interests transferred in a bond for deed,contract for deed, ins�a�lment sales contrac�or escraw agreement�the inten�of which is the transfer of title by�orrower a�a fu.ture date ta a purchaser. If a11 or any par�of the Property or any Interest in the Property is sold or transferred(or if Borro�ver is not a natural pers�o�and a bene�'icia�interest in Barro�ver is sold or tr�.ns�erred}�ithout Lender's prior�'itten cansent,I�ender may require immediate payment in full af a11 sums secured by this Security Instrument. Howe�er,�his option sha�t not be exercised b�Lender if such exercise is prohibited by App�icable Law. NEBRA5ICA-5ingle Family-Fannie MaelFreddie Mac L1NIFaRM INSTRLIMENT WfTH MERS Form 3426 1101 V�Wp 0 VMP6A�NE}(13U2).4D Wolters Kluwer Fir�ancial Services Page 12 of 17 q�3333458828 4233 Z?7' 1217