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��15��937 If the�,aan is subj ect to a la�v which sets max�mum�oan cha,r�es,and that Iaw is fin:ally interpreted so that �he interest or ot��r loan charges col�ected ar to be co��e�cted in cvnnection v�ith the Loan�xceed the permi�ted limits,then: (a}any such loan charge sha�l be reduced by the amount necessary to reduce the ch.arge to the permitted��m�t;and(b}any sums a�ready collected from Borrower which exceeded permitted ��mits will b�refunded t�Barrow�r. �,ender m�y choose t�make this refund by reducing the principal owed under the Note or by making a direct paym�nt to Barrow�r.If a refu.nd reduces grincipal,the reduction�r�� be treated as a pa,rt�al prepayment vvithout any prepayment charge(whether or not a prepayment charge is prov�ded for under t�ae Note), Barrower's a�ceptance of any such refund ma�e by direct gayment to Borr��ver will��nstitute a waiver of an�y right of actifln Bflrrov�er might have�,rising out of such overcharge. �5. Noti�es.�1 n�tices gi��n b�Borrovv�er or Lender in c�nnection with this Se�urity Instrument must be in �vrit�ng.Any not�ce to B�nower�n conua.��tion with this Secur�ty Instrument sha�l be deemed to have been given to Borrv�ver when mailed by fust class mail or when actual�y delivered to Borrower's not�ce address if sent by other means.Not�ce to any one Borrawer sha�l cnnstitute noti�e t�al�Borrov�ers uniess Applicable Law express�y requires atherwise,Th�nvtice address sha�1 be the��per�r Address un�ess Borrawer has designated a substitute natice address by notice to Lender. Borr�wer�hali prompt�y notify Lender�f Borrower's change of address. If Lender spe�ifes a pro��dure for reporting Borrower's change of address,the�Borrower sha��onl�report a��hange o�address through that spe�ified procedure. There�ay be anly one designate�notice address u�der this Security Instrument at any ane time.Any not�ce to Lender sha11 be g�ven by delivering it oi by mailing it by fu st c�ass mail to Lender's address stated herein unless Lender has designated another address by notice to Barrower..Any notice in conn.ectivn w�th this Security Instrum�nt sha�1 not be d�emed to have been gi��n to Lender unti�a�tual�y recei�ed��Lender. If any notice required by thxs Security Instru�ent�s als�o required under App�i�cab��Law,�h�A�pli�able�a�w requirement wi11 satisfy the�orrespc�nding r�quirement under this S�Gurity Iflstrument. � '1 fi. Gv�rern�ng�aw; Se�erab�lity;Rules of Gonstruct�on.Th�s Secur�ty Instrument sha�l�e go�erned by fedexallaw and the la�v of the jur�.sdiction in which the Property is lo�ated.AIi r�ghts and abligations contained��n.this Security I�stzument are subject to any requirements and��m�tations of Applicable Law. Appl�cable Law rnight exp�icitly or�mplic�tl�r a11aw the parties to agree by cc�nt�ract o�it migh.t be si�ent,b�t such si�ence sha1�not be cons�rued as a prohibition against agreement by contract. In the event that any prov�sion or��ause of this�ecur�ty Instrument or the Note conf�icts with App�icab�e Law,such conflict sha�I ��t aff��t��her��ovisions of this Security Ins��nt or the I�ote whicl�can�e give�effect without t�e conf�icting provision. As used ia this Secur�.ty Instrument: �a}words of the masculxne gender sha11 mean and inc�ude carresponding neuter wards or words of the fem�n..ine gender; (b)words in the singular sha��mean and include the plura� and vice versa;�nd(c)t�Ze ward"may"gives sole discretion�vithaut any ob�igation to take any actian. 1�. Barrowe�`s�opy.Borrower sha11 be given one c�py of the Note and�f th�s Security Instrument. 'I 8. 7ransfer of the�roperty or a �eneficiallnterest in Borrovr►er.As used in this Section�8, "In�erest in the Property"n��ans any�ega�or bene�'�cial�nterest in t�e Property,inc�uding,but n�t Iimited to,tl�ose beneficial interests tcan.sferred in a bond for deed,contract for deed, insta��ment sa�es ca�tract ar escr�� agreement,the intent of�vhich is t#�e transfer af title by Borrower at a future date to a purchaser. If a�l ar any part of the Froper�y or any Interest in tb.e Froperty is so�d or transferred�or if F3ortower is not a n.atura�person and a bene£'�cial interest in Borrawer is sald or t�ransferred}without Lender's prior written consent,Lender may require immediat�payment in full of a�l sums secured h�this Sec�it�Instrumen�. FIowe�er,this option sha11 not be exercised by Lender if such exercise is prohibited by App�icab�e Lavv. MEBRASItA�ingfe Family-Fannle MaelFr�eddie Mac UN�F�RM iNSTRIiMENT W1TH MERS Form 3428 1141 VMP� VMPBA(NE)(13�2]A4 Walters�il�r Finaneia�5ervices Page 12 of 17 q�3339g15�91 4�33 37C 1217'