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201500945 Ifthe Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits,then: (a)any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit;and(b)any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal,the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices.All notices given by Borrower or Lender in connection with this Security Instrument must be in writing.Any notice to Borrower in connection with this Security Instrument sha11 be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means.Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender.Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address,then Borrower sha11 only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instnunent at any one time.Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless I,ender has designated another address by notice to Borrower.Any notice in connection with this Security Instrument sha11 not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law,the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Construction. This Security Instrument sha11 be governed by federallaw and the law of the jurisdiction in which the Property is located.All rights and obligations contained in this Security Instiument are subject to any requirements and limitations af Applicable Law.Applicable Law might explicitly or implicitly a11ow the parties to agree by contract or it might be silent,but such silence shall not be cons�rued as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instnunent or the Note conflicts with Applicable Law, such conflict sha11 not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a)words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b)words in the singular shall mean and include the plural and vice versa;and(c)the word"may"gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower sha11 be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Properry"means any legal or beneficial interest in the Property,including,but not limited to,those beneficial interests transferred in a bond for deed, contract for deed,insta.11ment sales contract or escrow agreement,the intent of which is the transfer of title by Borrower at a future date to a purchaser. HCFG-00359 NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 30281/01 VMP� 07l14 Wotters Kluwer Financial Services 201502024.1.02815-J20140729Y Page 12 of 17 '9 4 15219'