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��15�455U If the Loan is sub,��ct t�a law wh�ch sets max�mum loan charge�,and that 1aw is fina�ly�n.��rpreted so that th��nterest or other�oan charges co��ect�d or t�b�e cal�ected in connec�on with t�e Loan exc�ed the permi�ted limits,t�en: �a}any su�h loan cha.rge shail be reduced by�he amount necessa�y ta reduc�the charge to fihe permitted limit;and(b)an�sums a�ready col�ected from Barrower�hich exceeded permitted limits will be refuncied to Borrower.Lender may choose�o ma1�e this refund�by re�ucing the principa�owed under the Note�r by making a direct payment to Barrawer.If a refund redu�es principal,th�reduction�i�1 be�reated as a pa�rtial prepayment withaut any pr�p�yment char�e�vvhether or n�t a prepayrnent charge is pra�id�d�'or unde�r the Note}.Bonower's acceptance of any such refund made by direct paymen��o Borro�ver w�ll constitute a waiver of any ri�ht of activn Barrower might h��e arising out of such overchar�e. '��. h�ot��es.A�l notices given by Borrower ar Lender in connection with this Security�nstrument must�e in wri�in�.Any notice to Borrawer in conne�t�on with this Security Instrument shail be deemed tQ have been given to Borro�ver when rnailed by fi�rst c1a�s ma��or when actual�y de�ivered to Borr�wer's notice address if sent by ather m�ans,Notice to any one Borrower sha11 constitu#e notice to all�orrowers unless App��cable Law exgres��y requires otherwise.The notice address sha��be the Property Addres�ua�ess Borrovver ha�designatec�a substitute notice address by n�tice to Lender.�orrower shall promptly noti�'y Lender of Borrower's�hange of address.If Lend�r specifi�s a pr�cedure for repvrting B4rrQwer's chang� of addres�,then Borra�ver sha�l only report a change of addr�ss through that specified procedure. There may be�nly�ne designated notice address under this Security Instrurn�nt at any one time.Any notice tp Lend�r sha11 be g�v�n by delivering�t or by ma.ilin��t by first class rn,ail to L�nder's address s�ated herein � unless Lender has designa�ed another address by notice to Borrower.,An.y natice in connection.with this SeGurity Instrument sha11 not be deemed to have been giv�a ta Lender until a�tually re��ived by Lender. If any no�ice required by this Security Insfi�ument is also required under Applicable Law,the Applicable LaW r�quirement wi�l�atisfy the carresponding�equirement under this Security In�trument. �l B. Go�erning Law; Sev�rability;Rules of Cons#ruction.Thi$Secur�ty Instrument shall be gavern�d b� federalla�v and the 1aw vf th��urisdiction in which the Property is Ioeated.A.11 right�and obligati�ns cantai.ned in this Se�urity�nstrument are subj ect to any requuements and lirnxtations of Applicable Law. Appli�able Law might exp��i#ly or implicitly al�ow the parties to agree b�cantract or it might��ilent,but such silence sha��nat be Gnnstrued as a prohibiti�n against agreement by contra�t.In the e�ent that aay pro��sion or c�ause of this S��urity Instrument ar the Note canflicts with Applicable La�,such conflic�sha11 nat affect other provisions of this Security Instrurnent or the Nate w�uch can be given effect wi�hout the confli�ting provision. As used in this Securrty Instrument: �a�words of the masculine gender sha11 mean and include cortespond�ng neut�r word�ar words of the feminine gender;�b}words in the singukar shall mean and inc�ude the plural and vi�e�ersa;an.d(c�the word"n�ay"gi�es sale discretion wit��ut any obliga�ion to take any action, 17. Borrow�r's Copy.�arrower sha11 be given,oae copy af the Note and of this Security Instrumen�. �$. Transfer vf the Prvpertyor a B+enefic��llnterest in Borrowsr.As used in this Section 18, "Interest in the Praperty"means any Iega��r bene�cia�interest�n�h,e Propert�r,inc�uding,but not lim��d ta,those beneficial intere�ts t�an�ferred in a bo�d for deed,con�ract fo�deed,ins�tlrne�t s�les cantract or esc�rov� agreement,the i.ntent of which is the transfer of title by Bonower at a future dat�to a purchaser. If ali or an.y part of the Property 4r any Interest in the Praperty is sold or transferred�ar if Borrawer is not a natural per�an and a beaeficial interest in Borrower is sold or transferred}withaut Lender's prior v�r��ten consen�,L,�nder ma.y requu'e imm�diate payment ia ful�of al�sum��ecur�d by this Security Instrument. However,this optiaa shall not be exercised by Lender if such exercise�s pr�hibited by Agp�icable Law. NEBRASKA�ingle Familyfannie MaeJFreddie Mac UNIF�RM INSTRUMENT WITH MERS Farm 3428 41U1 VA►IP� VMP�A{�iE)[i3�2y.D4 Wolters K�uwer Finar�cial5ervices Page 1Z of 17 q�3 4 157 �3 4 1