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��14�7555 If the Loan�s subj ect to a lav�r�vhich sets maximum�oa.n chaxges,and that law is finally interpreted so that the interest or other Ioan cha.r�es colle�ted or to be�ollected in cannection�ith the Loan ex�eed the permitted limits,then; �a}any su�h loan charge sha11 be reduced by the amount ne�essary to redu�e the �harge to the permitted limit;and�b}axa.y sum�already collected from Borrower��v�aich exceeded permitted limits«iI��e refunded to Borroti��r. Lender may chaase to make this refund by reduc�ng the princi�al owed under the Note or by making a direct payment to Borrovver.If a refund reduces principal,the reductian vvi11 be treated a.s a par�ial prepa�Yment vvithout an��repayment charge ��vhether ar not a prepa�men��harge is pro�ided far under the Note}. Borra«er's a�cepta.nce of any such refund ma.de l�y direGt payrnent to Borra�ver will Gvnstitute a v�aiver af any right of act�an Borrower might have arising aut of such overcharge. '15. Noti��s. All noti�es gi�en�y BorrouTer or Lender�n connection vvith this Security Instrument mus� be in v�riting.Anyr notice to Barro�ver in connection with this Securit�r Instrurnent shall be deemed ta ha�e b�en given ta Borrawer when mailed by�rst c�ass maii or when actually deli�ered to Borra�ver's notice address if sent��other means.Notice t�any ane Borro�er sha.�l constitute notice ta all Barrower5 unless Appli�able La«r e�pressl��requires�therwise. The natice address sha�� be the Pr�p�r�y Address unless Borrower has designated a substit�xte notic�address by notice to Lender.Borro��er sha11 promptly notify Lender af Borrower's�hange of address.If Lender speci�es a procedure for reporting Borro�ver's change of address,then Borro��ver shal�onl�report a change of address throu�h that spe�ifi�d procedure. There may b�only one designated notice a.ddress under this Securi�y�nstrument at any on�time. Any notice to Lender shal�be given b��delivering it or bti•maiiing it b�first class mai�to Lender's address stated herein unless Lender has designa�ed another a�ddress by nfltice ta Borrawer.Any notice in connection v�ith this Security Instrument sha�.i not be deemed to ha�e been gi�en to Lender untrl actuall�received by Lender. If an��notice requi red b�r this Securit�r Instrument is al so requi red under App�ica�le Lau�,th� Applica��e Lavv requirement wi�1 satisfy the corresponding requirement under this Se�urity Instrument. 1�. Go�ern�ng Law; Se�erab�lity; Rules of Cvnstruction. This Securit�r Instrument sha11�e g�verned by federallav�and the lativ of the jurisdicti�n in which t��e Pr�pert�is located.Al�rights and obligations conta.ined in this Securi�y�Ins�rument are subje�t to any requirements and limitations of App�i�able Lav�.App�icable Law might e�plicitl�or impli�itiy a11�w the parties to agre�by�ontra.ct ar it mi�ht�e s��ent,but su�h s�lence shall not be construed as a pr�hibition a�ainst agreement by contract. In the event that any pro��sion ar clause of this Se�urity Instrument ar the Note conflicts with App�icable Lavv,such conflict sha.Il not affe�t other pravisions vf this Securitv Instrument or the I�ote which can be given effect�ithaut the canflicting provision. As used in�h�s Security Instrument: �a}«�ords of#he masculine gender sha11 mean and include corresponding neuter words or words of the feminine gender; ��a�v�rords in the singular sha11 mean and include the plural and vice versa;and�c}the«ord"may"gi�es sole discretion v�ithout any obligat�on ta take anv a�tian. r '17. Barrower's Copy. Borrov�er shall be gi�en one copy of the Note and of this Security Ins�rument. �8. Tran�fer�f the Prvperty or a Beneficial Inter�st ir� Borrower. As used in this Se�t�on 18, "Interest in the Property"means any legal or beneficial interest in the Praperty,including,but not limited to,those benefi�ial interests trarzsferred in a bond far deed,con�tra.�t far deed,insta.11ment sales contract or escrow agreement,the intent of which is the transfer of tit��by Borrower at a future date ta a purchaser, HCFG-Q0359 NEBRASKA-5�ngie FamEly-Fannie Ma�IFreddie MaG UNiFURM INSTRIJMENT Form 3Q28�Ip1 VM PQ�3 07114 Woft�rs Kluvver Financiaf 5er��ces 201412014 1 Q 2815-J201�0729Y Page 12 Qf 17 *�4�2311 Q'!4219*