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. ��15�4�� Y t � , If the Loan is subj ect to a�avv v�hich sets maximum loan�hazges,and that lavv is�na11y interpreted so � that th�interest�r other loan charges eall�eted or to l�e cailected in conn�ction with the Loan exceed the per�itted limits,then: (a}an�such Ioan chax�e sha.��be reduced by the am�unt necessar�to redur�e the cha�ge to the permitted limit;ar�d(b�an.y sums already collected from Borrovver wh��h exceeded permitted �imits wi1�be refund�d to Borrower. Lend�r may chaa�e to make this refund l�y redu�ing the principal o�ed under the Note or by ma,king a direct payment to Borrov�er. If a refund reduces principal,th� r��ucti�n vvi11 be tr�ated as a partia�prepayment vvi�hout any prepayment charge �vvhether or n�t a prepayment charge is pravided for under the Note}. Borrovver's acc�ptance of any such refund made by direct paym�nt t�Borrawer will constitute a waiver of any r�ght of action Borrower mlght have ans�ng out of such ove r�har��. 'I 5. N ot��es.All notice s given by Borrov�rer or Lender in connect�on with this SeGurity Instrument must be �n vvriting.Any not��to Bor-rov�er in connection with this Se�urity Instrument sha11 be deemed to have been given to Borrovver vvhen ma��ed by first class ma,i1 or vvhen actually delivered to Borrov�er's notice address if sent by ather means.Notice t�any one Borrovver sha11 constitute nat�ce to all BoFro�ers un�ess Applicable La�expressly requires�thervvise. The notir�address shall�e the Property Address unless Borrower has designated a substitute noti�e address by not�ce to�ender.Borrower shall prompt�y notify Lender of Borrovver's�hange of address.If Lender spe�ifies a pracedure for r�portin�Borrvv�er's chax�ge of a�ddress,then B�rrovver sha11 oniy report a change of address through that sp�c�f�ed procedure. The re may be only one de signat�d noti Ce addre ss u�de r thi s Se curity Ir�stn�ment at any�ne time.Any notice to Lender sha1�be given by deliverin�it or by mai�ing�t by first�lass ma,il to Lender's a�cidress sta.ted h�rein unless L�nder has designat�d another address by notice to Barrnv�er.Any noti�e in�onne�tion with this Sec�rity Instrument sha11 not be deemed t�have been gi�en t�Lender until�actually received by Lender. If az�y natice required by this Security Instrument is also requ�red under Applicable Lavv,the A licable Law re uirement v�ill satisf�the correspon�ing requirement under this Security Ir�strument. pp � 'I G. Cflvern�r�g Law; Se�erability; F�ules �f�onstru�tion. This Security Instrument sha11 be gaverned l�y federal�aw and the lavv vf the jurisdiction in vvhich the Property is lo�ated.All rights and obligations conta.ined in this Security Instrument are subje�t to any requirem�nts and limita,tions of Applicable Lavv.Applicable Lavv might e�p�ic�t�y or imp�icitly a11ov�the par�ies to agr+e�by contra�t or it might be silent,but su�h silence�hall not be construed as a proh�bition agasnst agreement b�contract. In the event that any provision�r clause of th�s Se�urit�Instrument or th�Nate conflicts w�th Appli�able Law,such confli�t sha11 not a.ffe�t vther pr�visions of this Security Instrument or the Note vvh�ch�an be given effect without the conflicting pr�vision. As used�n this Security Instrument: (a}w�rds�f the masculine gender�hail mean ar�d in�lude corresponding neuter words ar�vords of the femi.n�ne gender; (b)words in the s�ngular sha11 rnean and include the plural and vice versa;and�c}the vvord"ri�ay"gives sole discretion�it�hout any a�li�atian to ta1�e any a�ct�on. �f?. Borrowe�'s Copy. Borrower sha11 be�i�en one copy af the Note and�f this Se�urity Instrument. 'I 8. Transfer of the Pr� ert or a Beneficial lnterest in Bflrrower. As used in this Section 18, p Y . f�Interest in the Property"means any legal or beneficial interest i.n the Property,including,but not limited to,those beneficial interests transferr�d iri a bond for deed,contra�t for deed,Ynsrtal�ment sa1�s contract or escrovv agreement,the int�nt of�hich is t�e transfer of tit�e by Borrower at a future date ta a purchaser. HCFG-DD359 • . . NEBRASKA-Single Family-Fannie MaelFreddie Nla�UNIF�RM INSTRUfVIENT . Form 30281/01 VMP� ' 08114 Wolters Kiuwer Fina�cial Servives 2�'i 5052115.1.0.3112-J20150123Y Page'!2 of'!7 " *81 074821 521 9* ' . . r