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��15�1945 If the Loan is sub j ect t�a Ia�v�hich sets max imu�n loan charges,and that la�v is final ly�nterpr�ted so that the interest or other�oan charges collected ar to be collected in connec�ion�vith the Laan exceed the permitted�imits,then: (a}any such laan Gharge shall�ae redu�ced by the amount necessary to reduce the charge to the permitted 1i�m�t�and�b}any sums already collected from Borrower which exceeded permitted limits will be refundet�to$onower. L�nder ma�choos�to make this refund by reducing the pr�ncipal owed under the Note or by makin�a d�.rect payment ta Borrativer. If a refun�reduces principal,the r�duct�on wi�l be treated as a partial prepayment with�ut any prepayment charge�vvhether or not a prepayment charge is provided for under the Note}.Barrav�rer's acceptance of any such refiind made by direct payment to F3orrower wi11 consti�ute a waiver af any right of a��ion Borrovver might hav�arising ou�of such o�ercharge. 'I 5. N�tiCes.A11 notices gi�en by Borrower or Lender in connection with th�s Security Instrument must be in WP1t1ri�. Any notice ta Borrovver in co�nection with this Security�nstrument shall be deemed ta have been given to Borrower when mailed by first class ma�l or when a�tual�y deli�ered to�orra�ver's no�ice address if sent by other means.�otice to an�one BorroW�r sha11 constitute notice to a11 Borrawers unless App�icabie Law expressiy requires atherwise. The notice address sha11 be the Praperty Address unless Borro�ver has designated a substitu�e notice address by notic�t�Lender. Borrower shall pr�mptly natify Lender of Borr�wer's chan�e of addr�ss, If Lender specifies a pracedure for reparting Barrower's change of address,then Barro�rer sha11 only report a change of address through that specified procedu�re. There may be only ane designated notice address under this Security Znstrument at any one��rne. Any notice t�Lender shail be gi��n by de�ivering it or by mai�ing it by�"irst c�ass mail to Lender's address stated here�n unless Lender has des�gnated another address by na�ice to Borrower,An�n�ot�ce in connection wi�h this Security�nstrument sha�l nvt be deemed to have been gi�en ta Lender un��l actua��rece��ed hy Lend�r. If any notice required by this Security Instrument is also required under Appiicable La�,the App�icable Law requir�m�nt,wil�satisfy the corresponding requirement under this Security�nstrument. �I fi. �vWerningLaw; Sev�r�bility;Rules of�onstru�tian.This Sec�u�ri�Ins�rument sha�l be�;overned by fe�eral law and the law of the jurisdiction in which the Prope�-ty�s loca�ed.A11 rights and obligations conta�ned in this Security Instrument are sub�ect to any requ�rements and limita.tions of Applicable Law. Applicab�e Law might explicitly or imp�icitly a11ow�he parties to agree by contract or it might be si��t,but such silence�ha11 not be construed as a prahibit�an against agreement by contrac�. �n the event that an� pravision or clause of this Se�urity instrument or the Note eanflicts tivith Applicable Law, such canflict shall not affect other�rovisi�ns of this Secur�ty Instrument or the Note which can be given effect without the conflicting pravision. . .�s us�d�n th�s Securi�y Instrument: (a}�ards of�he mascu�ine gender sha��mean and�nc�ude carrespond�ng neuter�vords or wards of the feminine�en�er;(b}words in the singu�ar shal�mean and include the plural and vice versa;and(c)�the word"may"g��r�s sole discretion without any obligation to take any actian. 17. B��raw�r's Copy.Borro�ver sha�l be given one Gapy of the N�te and of this Security Ins�rument, 'I 8. Transfer of the Prop+srty or�a Beneficiai�nter�est in Borrower.As used�n this S�ction 1$, "�nterest in the Property"means any legal or benef cial interes�in the Property, including,but nat limited to,those beneficia�int�rests transf��rred in a bond for de�d,can�ract for deed, ins�a.11m�nt sales contract or escrow agreemen�,the intent of�hich is the transfer af title by Barrower a�a future date ta a purchas�r. rf all or any part of the Property or any�nterest in the Property i�sold or tran�ferr�d(or�f Borro�er is not a natura�person and a beneficial interest in Borrower�s sold ar transferred}without Lender's prior written consent,Lender may require immediate payment in full of aii sums secured by this Security Ins�rument. Ho�e�er,this option shali not be exercised by Lender if such exercise is proh�bited by Applicable Law. NEBRASKASEngle Family-Fannie MaelFneddie Nlac 11NlFQRM INSTRIJMENT VItiTH MERS Form 3D28 1149 VMP� VMPBA(NE}[1342}.�� Vlioiters Kluwer Financial 5enrices Page 1 Z of�? q43337864G66 4�33 281 1217