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��15�4547 If the Loan is subj e�t to a law which sets maximum loan charges,and that law is final�y interprete�sQ that the interest or other loan charges collected ar to be�allected in corinectian�vith the Loan exceed the permitted limits,then; �a}any such loan charg�shall be redu�ed by the amount necessary to reduce the charge to the permitt�d limit;and(b)any sums already collected from Borra�ver whi�h exceeded permi��ed limits wi11 be refunded to Borrower,Lender may choc�s�ta m.ake this refund by reducing the pri��ipa1 o��ed under the 1rlote or by making a direct payment�o Borrower.If a refund reduce�principal,the reduction will �e treated as a partial prepayment withaut any prepaymcnt charge [�vhether�r nat a prepayment charge is pra�ided for under the I�ote). Borrotiuer's accepta.nce of any such r�fund mad�by direct payment ta Bonower�vill canstitut�a waiver of any right of action Borrower might have arising out�f such overcharge. 15. Notiees.A11 notices given by B�rro��er ar Lender in connection with this Seeurity Instrument must be in writing.Any natice to Borrower in cannect�an wit�i thi�Security�nstrument sha�t be deemed to have been given to Borrower when mailed by f�rst class mail or when actually delivered to Borrower's notice address if sent by other means.Notice to any one �orrower sha11 constitute natice to all Barra�uers unless Applicable Law expressly requires otherwise. The nfltice address shal�be the�'roperty Address u�less Borrower has designated a sub�titute notice address by natiee to Lender. Barrower sha11 promptiy n�tify Lender of Borro�ver's change af�.ddress.�f Lend�r specifies a pro�e�iure for r�porting Borrowe�''s change of address,then�orrower sha11 on�y report a change of address through that specified procedure. There may be anly one desXgnated nntice addre�s under th�s Security rnstx-ument at any one time. Any notice to Lend�r shall be giv�n by delivering�t or by maiiing it by f�rst�1ass mail t�Lender's address sta.ted herein uniess Lend�r has designated another address by notice ta Barrower.Any 1�atice in cannection with thi� Security Instrument shal�not be�ieemed to have been given to Lender until actually recei�ed by Lender. If any nfltice required hy this Security��Zstrument is a�so requ�red under App�icab�e Law,the Applicable Law requirement wi11�atisfy�he correspondin�requirement under fhis�ecurity Instrument. '1�. Governing Law; �e�erabi�ity;Rules of Canstructivn.This Security Instrument shall b�g��ern�d by federal lavv�nd the 1aw of the jurisdiction in wh�ch the Property i�locatcd. AI�rights and obligati�ns contained�n this Security Instrument are subj ect to any reyuiremen�s and limi�ations Qf Applicable Law. Applicable La�v might explicitly or implicitly a11ow the part�es to agree by cantract ar it rx�ight be sitent,but such si�en�e shall not be constru�d as a prohibition aga�nst agreem�nt by cnntract. In the e�ent that any provision ar clause of this Security Instrumer�t or the I�Iote conflicts with Applicabl�La�r,such conflict sha�l not affect�ther provisi�ns pf this Se�urity Instrument ar the 1�Tate��hich can b�given effect without the conflicting provision, As used in this 5ecur�ty Instrument: �a�words�f the masculine gend�r s�a.11 mean and include correspondirig neuter word�or words of the fem�nine gender;(b)words in the singular shall m�an and include the plural and vice�ersa;and(c}the word "may"gives s�ie discretion�vithout any obi�gation t��ak�any actian. 17. Sorrower's Copy.Borrower sha11 be gi��en ane capy of the l�ote and of this Se�urity Instrument, 1$, Transfer vf the Prvpertyor a Beneficiallnterest in Borrower.As used in t�i�s Section 18, "�nterest in the Property"rneans any legal or benefi�ial interest in�he Praperty, including,but not limited to,those beneficial interests transferred in a bond for deed,G�ntract for deed, �nsta.lirnent sales contract or escr�w agreement,the intent of which is the transfer of title l�y Barro�er at a future d�.te ta a purchaser. If ali or any part of the Property or any Interest in the Property is sold or transferred(or if�arrower is not a natural person and a beneficial intere�t in Barrovver is sald or transferred}without Lender'�prior written cansent,Lender may require immediate�ayment in fu11 of all sums secured by this Security Instrument. However,�his�ption sha11 not be exercised by Lender if such exercise is prahibited by Applicable Law. NEBRASKA-Sir�gle Family-Fannie MaelFrseddie#Nar.UNf�QRM 1h15TRL1M�NT WITH MERS Form 3428 11a1 VMP C� VMP6A(NE}�i342}.44 � Vtlolters I{Euwer Financial Services Page 12 of 1? q�33414�8621 0�33 3Z1 12l?