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��15�4575 I�the Loan is subject ta a lat�v�vhich sets maximum loan�harges,and tbat 1aw is finally interpret�d sQ that the intcrest or ather loan charges caile�t�d or to b�cot�ect�d xn c�nnection vvith the Loan e�cee�.the permrtted Iimits,then; (a)any such loan charge shal�be reduced by the amount nece�sary to reduee�h� cf�arge to the perrnit�ed limi�;and�b}any sums already c�llected from Bc�rrower wh�ch exeeeded permit�ed I�mits will be refundcd to B�rrower, Lendcr rnay choose ta rnakc this refund by reducing the principal owed ut�d�er the h�ote ar by making a direc�payment to$orrower.If a refund reduc�s principa�,the reducti�n�vilr be treat�d as a partial prepa�ment without any prepayment ch�rge�whether or not a pr�payment chax�e is pr�v�de�1 fvr under the I�ate).Barrower's acceptance of an�such refund made by dir�ct paym�nt�o Borr�wer wi11 canstitut�a wai�er of any ri�ht of action�orr�wer m�gh�ha�e ar�sing out of such Q�erchar�e. 15. Noti�es.All notices gi�en by Barrower or Lender in canraection wi�h this Se�urity I�xstrument must he in tivriting.Any natice ta Borrawer in�onnecti�n with this�ecuri#y Instrument�ha1l�e deemed t�h�.ve been gi ven ta�3ot7rawer�hen mai�e�l by first c lass rnai E or when actua I�y d�I t��red to BQrrawe�'s r��t�ce addres� if sen�by other means.ltiTotice to any dne Borrower shal�canstitut�noti�e to a��BQrrowers unle�s Applicab�e Lau�expressly requires other�v��e.The notice address�ha�i be the Praperty Address un�ess Bor-rower has desi�nated a substitute natiee address by noti�e tQ Lender,Banow�r shall promptly notify Lender of Borrower's change af addre�s.If Lender specifies a procedure for r�p�c�ing�onovu�e�'s�hange of address,then Borro�ver shal�only report a change of address throu�h that�pecrfi�d�roc�dure. Ther�may be on�y�r�e d�signat��.nati�e a�dr�ss under this S�curity Instrument at any one time.Any natiee t�Lender�hal�be g��er�by t�elit�erzng it�r�y ma��ing it I�y firs��ass mail ta Lend�r'�address sta.ted herein unless Lender has des�gx�ated another ad�ress�y notice to�3orra�er. Any notYce in Gonnection with this Security Instrument s'ha11 n�t be deemed to have been given to�.e�Yder unt�l actua�ly rece�ved by Lende�-.If any natice r�quired��his Securit��nstrument�s alsv r�quired under Applicable La�v,the App�iGabl�Law reyuiremen#will sa�isfy the corresponding r�yuirernent under this 5ecurity�nstrument, �l fi. Go�erning Law; Severability;Rufes vf Construction.Tbis Security Instrument sha�l be governed by fed�ral law and the�aw of th�jurisdictior�in,which the Property is lnca�ed.All r�ghts and o�ligations contained in this Security Instrument are subject ta any requirements a.nd limi�.tions af A�pplicable Law. App�icabl�La�v might expli�it�y or implici��y allor�v the parties to agree by�antra�t or it might be si�ent,but such silen�e shalt no#be c�nstrued�s a prah�bi�ion against�greement by�an�ract.In the event that any pro�ision or clause of this Secur�ty Instrument ar the�ote canflicts with App�icable La�v,such conflict shall not affect other provisi�ns of this Security Instrument ar the I�Iate which can be�iven�ff�ct without the c�nflictin�pr��i�ion. As used in�his�ecuri��n�trument:�a}vr,�ords of the masc��l�n�g�nd�r�hali mean and includ�carr�spandin,g neute�wards ar�vords of�he�eminine ge�der;tb}vvor�s in th�singu�ar sha��mean and include th�plural and�ri�e ver�d;�nd�c�the�vard"m�y"�i�es sole discretic�n vvithaut an�obli�ation to take any act�c�n. 17. Barrovrrer's Go�y.Borrower shal�be gXv�n one copy of the N�te an�nf this Securit�Ins�rument. 1$. Tr�nsfer-of the Prvper�t�y vr a Beneficiallnterest in Borr�wer.As used in#�his 5ection�8, "Interest in the Proper�y"means any legal or beneficia�i�terest in the Property,includin�,but nat limited ta,those benef ciaZ interests transferr�d in a bond for deed,coni�r�ct for deed,�nstallrn�nt�a1�s contract ar escrpw agreemcnt,the intent of which rs the transfer af titre�y�orrov�er at a future dat�t�a purehaser. If all or any part o�'th�Pr��rty or an�Interest in the Property is s�ld t�r transferred(vr if Borra�er is not a natural pers�n an[�a b�neficial interest in Borrower is sold ar transferred}�vithaut Lender's prior written consent,Lender may require immediate payme�t in fuil af al!sum�s�cured by this S�curity Instrument. �Towe�cr,this�ptxan shall not�e exercised by Le�der if such exercise is prohibited by App�icable i�a�v. NE8RAS1�4Single F�mily-Fannie MaelFreddie Mac UNIFORM 1NSTRLJMENT WITH MERS �rarm 3�28 iiQ1 VMP� VMPBA[NE}{13�23_�0 Walters Kluwer Financial 5�rvic�s Page 12 of 17 qa��a�� a�� g� szz�