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��14�7495 �f the Laan is�ubj ec�to a Iaw which sets maximum�oan charges,and that�a�r is finally interpreted sv�hat the xnterest or other�oan�harges c�ilected or�a be c�l�ecte��n cannection with the L�an exceed the permitted�imits,then: (a�any such�oan charg�shal�be reduc�d b�the amaunt necessary to redu�e�he charge�o�he perm�tted�imit;and��)an�r s�ms a�ready co�lected from Borrower which exc�eded per�m.it��d limits�vill�e ref�nded�o$ar�otiver.�.�nc�e�r may ch�ose�o make t�ais ref�nd by��duci�.g the principal owed under the Note or by making a direct payrnent ta�orrower. If a refund reduces princ�pa�,the reductian v�ill be treated as a pa.r��al prepaymen�tivithaut any prepayrnent�harge�whether or nat a prepayment char��i� pra�ided for under the Note}. B�rrower's a�ceptanc�of an�such refund made by direct paym�nt to Barrower��ri11 canstitute a�ra�ver�f an�right of action Bor�ro�er m�ght ha�e arising out of such o�vercharge, �5. Nt�ti�es.A�1 notices given by F3orro�ver�r Lender in connect�on�u�t�i this �ecurity Instrum�n�must be in writin�.Any notice to Boxrow�r in connection�ith this Security�n��rurnent shall be deemed t�have been given to Borrower wh�n rn.ailed by f rs�ciass mail or►�h�n a��ually delivered to�3orrawer's n�tice addr�ss if sent by ather means.Natice ta any one Barrawer sha��constitute nat�ce to aI��orrawers unless Applicab�e La�v expres�ly requires athear�vise. The n�tice address shall�e the Property Address un�ess �orra�er has designated a substitute na��ce address by not�ce to Lender. Borrower sha11 pr�mptly natify Lender�f$orrower's change of addre�s.If Lender specif�es a procedure for report�ng Borr�wer's change of address,then Barrower sha�l oni�report a chang�of address through that specified pracedure. There may be only one des�gnate�.notice address under thi�S�curity Instrument at any one time.�ny notice �o Lender sha11 be gi�en by de�ivering i�ar by mailing i�by firs�class maii to Lender's ad�re�s stated here�n un��ss L�nder has designated another a�dress by notice to Borro�ver.Any notxce in connec�i�n with this ��curit�Inst�urr�ent��a�l�ot be deemed�o have be�n given to Lender unt��actually rec�ived b�i��n�er, If any notic�requ�.red by this Securi�Instrun��nt�s also requ�red under Applicable Law,the Agplicab�e La�v requirement wiil satisfy the cQrresponding requirer�rie��und�r this Sec�rity Ins�rument. 1 f. Gflvernir�gLaw; Severability;Rules of Construct�on.This Security'Ins�rument sha1�be�nverned by federa�law and the�a�v of��e�urisdie��an in�rhich�he Praperty is�aca�ed. A11 rights and obligations cvn�.a.in�d in�his Se�urity Instrur�ent a��hject to any requ�em��ts ar�d l�rr�itat�ons af Applicahle�L.a�. App�icable La�v might�xplicitly or imp�i�it�y a11ow the par��es ta agree by contract or�t might be silen�,but such silence sha��no�be construed a�a prohibi�ion agains�agr�ement by contract. In the e�en�that any provis�ar�or clause of�his Secur�ty Instrumen�or the Not�conflicts with Applicable Law, such confli�t sha11 . not affect ot�Zer pravisions of this Secur�ty�nst�ument or�he�ote which can b�gi�en�ffect without the conflic�ing prov�sian, As used in this Security Ir�strument: (a�word�of the mascu��ne gender shall mean and include corresponding n�uter�vords or words of the feminine gender; �b}v�ards in th�singu�ar shal�mean and include the plural and�ice v�rsa; and(c}�h��rord "may"give�s��e discretion�i�hou�any obligation�o ta.l�e any acti�n. "1?. Bo��ovv��'s Copy.Barro�ver shall be gi�ren one cop�of the Nate and af this Security Ins�rument. '�8, 'Transfer af the property or a Benefic�a��nterest in Bo�ravver.As used in�his S�c�ion 1 S, "Interest in the Property"means any 1�ga1 Qr benefic�al i��erest in the Property, �ncluding,�ut not lirnited�o,thase benef cial�n�er�sts transferred�n a bond for deed,co�ztract for deed, ins�allment sales contract or escrow agr�ement,the intent of wh�ch is the transfer af title by Borra�er at a future date�o a purchaser. �f all or any part of the Prqperty or any Int�rest�n the Proper�is sold or transferred(or if Borro�uer is not a natura�pe�son and a la�nef�cia�interest i�B�rr�r�e�is sol�or transferred}�vithout�.��der#s prior written cons�nt,Lender ma�requir��mmediate payment in full of a��s�ms secured by this�ecurity Instrument. However,�his aption shal�not be exercised by Lender if such exercise is proh�bited by Ap�licable La�, . NEBRASKA-Singke Famify-F�r�r�ie MaelFreddie Mac UNiFQRM 1NSTRUlUlENT 1l1fITH MERS Farm 3428 1I01 VMP C� VMPBA{NE}��302}.4d Walters Kluwer Financia[Senr�c�s �age 12 of 1� q�33�9378858 4Z33 375 1�1?