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��15�33�7 �f the Loan is sub�e��o a�aw�vh�ch sets maxirnum loan charges, and that�av5r is fxnally x�.te�-preted so�ha� �he�nteres�o�-other laax�charges colle�ted or to be co��ected in cox�t�e��o�with the Laax�exceed the pern��.tied lim�ts, theri: �a}ar�y such�aan charge sha�l l�e reduced by�he amoun�nec�ssa�•y�a reduce the charge�o the permi�ted��mit; and�b} any sums a�ready collected from F3o�-rav�er�vh�ch ex�eeded permi��ed . Iim��s�vill be refunded to Borrower. Lender may�hoose�o make�his refund�by reduc�ng�he princ�pal owed urid�r the Note o�•by ma��ing a d�rec�payment�o Borro�ver. If a refund r�duces princ�pal, the reduc�ion v�ri�1 he trea�ed as a partial prepaymen�withau�any pr�pay�rn.en�charge��v�e�her or no�a prepayment charge is provided for under�h�No�e�. Borrower's accep�ance af any such refu�d made by d�re�t payment t� Borro�er wi�� consti�u�e a wa�ver of any righ�of ac��on B��•�•ovsre�-might have arising ou�of such overcharge. '�5. N o��c�s. Ai1 notices g��en by Borz o�v�r or Lender xn connec�xon wi�h this Secu�zty Ins�.rument mus�be�n �vri�i�g. Any notice�o Borro�er�n connec�ion wi�h�his S�curity�nstrum.en�shaX�be dee�med to ha�e�een given t�Borrawer when mailed by�rst elass mail or�vhen actually de�z�ered�a Barrower's notz�e address if s�n�by other n�eans. Not�ce�o any one B�rro�ver shail�ons��u�e notz�e t�a11 Borrovvers un�ess Appi�ca�ble La�v expressly rec�uires otherwise. The not�ce address sha�l b��he Property Address unless Borrower has designa�ed a subst��u�e not�ce address by notice to Lender. Borrower shail prornpt�y na�ify Lender of Borrovsre�•'s change of address. �f Lender specif�es a pro�edure for reporting Borrower's change of address, �her�Barrower sha�l oniy report a change of address through�ha�specif.ied procedure. There may be or�1y one des�gna�ed no��ce address under this Securi�y�:nstrumen�at any one time. Any notiCe to Lender sha�i b�g��en by deiivet inb i�ar by ma��ng i�by first cla�s mail to L�r�der's address s�a�ed herein unl��s Lend�r has designa�ed another address by no��ce�o Borrotiver. An�no�ice in conne��t�on�vith this Security�ns�rumen�shal�not be deerned to ha�e bee�.g��en�a Lender u.nti�actual�y received by L�nder. �f any natice�•equired by�his Security�ns�rumen� is alsa requ�red ur�der Applicab�e La�v, the App�xcable La�v � r�qu�remen�wzll sa�isfy the c�rrespondxng requ�rement under th�s Secu�•zty Inst�-umen�. 'I 6. G��erni�g Law; Se►rerabi�ity; Rules of Cons�ructi�n. Thzs Secur�ty rr�strumen�shal�be governed�y federal lavv and�he iavv of the�urisd�c�ion in which the Property is Iocat�d. Al�righ�s and obl�gations conta�ned�n�his Securi�y Instrument are sub�ect�to any requ��•ements arnd l�m�tations of Appli�able Lav�e App�icable La�v m�ght exp�xcit�y o�p implicit�y a11ow the par��es�o agree by cantract or��might be s�Ient, bu� such siience sha11 no�be con�trued as a prohi�bition agarnst agreement by contract. In�he everi��ha�any provzsion or clause of�h�s Security Znstrumen�or the Na�e confl�cts wi�h App�icab�e Law, such�o�nflrct sha�I not affect o�her provzs�ons of th�s Securi�y I�strume�t or the No�e u�hich can be given effec�v�ithou�the conflic�ing pro�is�on. As used in thxs Secu�•�ty�n�trumen�: �a}words af�h�mascul�ne gende�-shail m�an and ir�c�ude corr�spo�zd�ng neu�er words or vvords of the feminxne gender; �b} �vords in the singu�ar sha1�mean and�nc�ude the p�ural and�r�ce versa; and�c}the ward"may" gi�es soie disc�-etion�vithou�ariy ob�igatron�o�al�e any acti�n. 'I 7. B�rrawer's Capy. Borrovver sha��be g�ven one copy of the Note and of th�s Securx�y�ns��•ument. '��. Transfer of�he Proper�y or a �nef�ci�l lnterest in F3vrrov�erp As us�d in this Section I8, "�nteres�ir� �he Pr.-aper�y" means any�egal or bene�cial �nterest in�he Proper�ty, xncludirig, bu�no��zmited to, �hose benef�cial interes�s transferred�n a bond fo�deed, contract for deed, �r�stallment sa�es cantract or escraw agreem�n�, the in�en�nf which�s�he transfer of�i�1e by Barra�ve��at a future da�e�o a purchaser. If a��or any paY-�of�he Property a�•any�nteres�in�he Prope�•ty is so�d or transferred�or�f Borrower is na�a natu�•a�person ar�d a bene�cia� in�er�s�in Borrowe�-is sald o�-t�•ansf�rz�ed} wi�hou�Len�er's prior�vrztten ca�sen�, I�ender may requ�re imnr�edia�e pa�ment ir�full of ail sums secur�d by this Se�u�-i�y Instrumen�. However, this optron shall not be exerc�sed by Lender if such exex�cise�s prnhxbi�ed by App�icable La�, � sso�7o��o ssafi�o��sa NEBRASKA-5ingf�Fam ily-�'ar�nie M aefFEeddi�M a�UNI��RM INSTRUM�NT W ITH M ER5 Form 3��$1 I�1 VM P� VM P6A�NE��3Q2] Wa�#ers Kl�w er Financial 5ervices Pag�12 af 17