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��15��5� If th� Loan is subject to a law which sets maximum loan charges, and that law is finally iriterpreted so that the interest or other loan charges colle�ted or to be co�l�cted in connectian with the Loan e�ceed the permitted limits, then: (a} any such �oan charge �hali he reduced by the amount nece�sary ta reduce the �harge to the permitted limit; and �b} any sums already �ollected from Borrower which exceed�d permitted l�mits 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 r�fund reduc�s principal, the reduction wil� be treated as a partial prepayment without ar�y prepaym�nt charg� (whether ar na� a prepayment charge is pro�ided for under the Note}. Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a wai�er of any right of action Borrower might have arising out af su�h o�ercharge. 15. Notices. Al� notices gi�en by Borrower ar Lender in c�nnection with this 5ecurity Instrument must be in writing. Any notice to Borrawer in connection with this 5ecurity Instrument shali be de�med to ha�e been gi�en to Borrow�r when mailed by first class mail or when actually deli�ered to Borrower's notice address if sent by other means. Nntice to any one Borrower shail constitut� notice to all Borrawers unless App��cable Law expre5sly r�quires otherwise. The notice address sha11 be the Property Address unless Borrawer has designated a subst�tute notice address by I1nt1G� to L�nder. B orrow�r shall pramptly notify Lender of Borrow�r's change of address. If Lender specifies a procedure for reporting Borrower's chan�e af address, then B orrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this 5ecurity Instrument at any one time. Any notice to Lender shall be gi��n by deli�ering i�or by maiiing it�y first class mail to Lender's address stated herein unless Lender has designated another address by no�ice to Borrower. Any notice in connection with this Security In�trumen� shali nat be deemed to have been gi�en to Lender until ac�ually re�ei�ed by Lender. If any notice required by this Security Instrument is also required under Appli�able Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 1 f. Go►rerning Law; Sevel'ablllty; Rules o� �anstruc#i�n, This 5ecurity Instrument sha11 be governed by federal law ar�d �h� law of the �urisdicti�n in which the Property is located. A11 rights and �bligat�ans contained in this 5ecurity Instrument are subject to any requirements and limitations nf Applicable Law. Applicable Law might explicitly or impli�itly allow the parties to agree by contract or it might be si�ent, but such silence shall not be construed as a prohibition against agreement by contract. In the e�ent that any pro�ision ar clause of this Security Ins�rum�nt or the Nate conflicts wirh Applicab�e Law, such conflict sha11 not affec� o�her pro�isions of this Security Instrum�nt or the Note which can be gi�en eff�ct without th� C�I7fl1C�ll�g�]rqV151DI1. As used in this Security Instrument: �a} words of the masculine gender sha11 mean and include corresponding neuter words or words of the feminine gender; (�} words in the singular sha11 mean and inc�ude the plural and�ice versa; and�c}the word "may" gi�es sale discretion without any obligation to take any action. �7. Borrower'S Cvpy. Borrawer sha�l be given one copy of the Note and of this 5ecurity Instrument. 18. Trans�er o# the Pro�erty ar a Beneficial Interest in 6arrower. As used in this Section 18, "Interest in the Property" means any �egal or beneficia� interest in the Property, including, but no� limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrawer at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is so�d or transferred(or if Borrower is no� a natural person and a heneficial interest in Borrower �s sold or transferred} without Lender's prior written consent, Lender may require imrnediate payment in full of all sums s�cured by this Security Instrument. Howe�e�,this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. 001��4�83D9D Citibank 3.2.9D.18 V3 IVEBRASKR-Single Family-Fannie A►IaalFreddie Mac UNEFDRM INSTRIlMENT WITH M�RS FQrm 3Q28 11�1 VMP p VMP6A�NE��13�2�.4D Wolters Kluwer Financial Services Page 12 of 17 �f