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��15��1 � 5 If th�Loaa is subj��t to a law�vhich s�ts maximum�oan charges,and that law�s finally interpreted so that the int�re�t o��ther loan�c�arges c�llected or to b�co�lected in conn�cti�n v�ith the Laan exceed the permitted limits,then: �a)any such laan charge shall�e reducecl by th�am�unt neces�ary t�redu�e the charge to the permitted limi�;and�b}arxy sums already co�lected fr�m Borrower vvhich�xceeded permitted limits wiil be refunded to Borraw��.Lender may chaos�to rnake this refund by red�ucing the principal atived under the Note ar b�r making a direc�payment�o Borrower. If a refund reduces principal,the reduction��i11 �be treat�d as a par�ial prepaymeat�vithout any prepayrnent�harge(wh�ther ar not a prepayment charge is provided for under the No�e}.F3orro�uer's accept�nce of any such refund rnad�e by direct payment to B�n�wer will constitute a waiver of any right of action Borrower m�ght ha�e arising out�f such o�ercharg�. �15. N�t��es.Al�n�tices given b�Borrov�er or Lender in conne�tion w�th this S�curity�n�trt�rnent mus�b�i� writing.Any notice to Barrower i❑conn�ction with this Security Iastrument sha11 be deemed to have been gi�en#a Borrotiver when mailed by first class mail ar when actually deliv�red t��orrQwer's notice address if sent by ath�r m�ans.l�atice ta any ane Borrower shall consi�itute notice ta al�Barr�wers unless Applicable Law expressly requi.res otherwise. The notice address shall be the Property Address unless �arr�wer has designated a�ubstitute notic�addres�by notice to L�nder.Borrower sha11 promptly ao�ify Lender�f Borrower's change of address.If Lender sp�cifies a procedure for reporting Barrower's chaage of address,th�n Borrower sha11 anly report a change of ad�.ress thr�ugh that specified procedure. �''�er�ma.y be only one designated n�tiGe addre�s under this Securit�In�trum�nt at any one ti.me.Any notice to Len�er shall be g��en by delivering it or by ma�lin�it by fust ctass mail to Lender's address stated herein unless Lender has designated another address by no�ice to Borrower,Any n�tice in connection with this 5ecurit�Instrument sha��not be deeme�to have been given ta L�nder until ac�ually received by Lender,If an�notice required by this Security I�st,rument is als�r�quired under Applicab�e Lat�,the Applicable La� requu-ement wi�l satisfy th�carresponding rec�uirement under this Security Instrument. 1C. Go�errtingLaw; Se�erability;Rulesaf Constru�tion.This Security Instrument shall be ga�erned by f�deral law and th�1aw of the jurisdictian in which the Property is located.All rights and obligations �onta.ined in th�s Seeurity�nstrument are subje�t to any req�irements and limitation�of App�icab��Law. App�i�able La�v might explicit�y or implicitly al�ow th�parti�s to agre�by contract or it rnight b�sitent,but such silence sha11 not be construed as a pro�ibition�gainst agreement by contract, In th�event that any provision or elause of this Security Instrument or the Note conflicts with Applicable Law,such con�li�t shall aa�affect other provisions of this Se�urity�nstrurnent or the Note�vhich can be given effect without the canflic�ing pro�ision. As used in�his Security instrum�n�: (a}wor�is af the masculine gender shall rnean and include corresponding neuter words or words af the feminine gender;(b}words in the singular sha11 rnean a�ad include the plural and vi�e ver�a; an�1�c)the wQr�"may"give�so�e dx5cretion without any obligation�o tak�an�action. �?. Borrvwer�'s Copy.Borrower shall b�given ane copy Qf th�1rTote and of this Security Iastrument. �18. Transferof the Prvperty or a Benefi�iallnterest in Borr�vwer.As used in th�s Section 18, "Interest in the Prop�rty"means any legat ar beneficial interest in the Property, including,but not limtted ta,those beneficia�interests tran�ferred in a band for deed,contract for deed, insta.11ment�a1es contra��or escrow agreement,the intent of�vhich is the transfer of title by Borrower at a future date to a purchaser. If a��or any part�f th�Praperty ar any Interest in the Fraper�y is sald or transferred(or if Bor�rower is not a natural per�on and a beneficial intere5t in Borrawer�s sold or transferred�without Let�der`s prior written consent,Lend�r may require immediate payment in fui�of a11 sums secur�d by this Security instrument. Hovve�er,this aptian 5ha11 no#be exercised by L�nder if auch exercise is prahib��ed by Applicab�e Lavv. MEBRASI{A�ingle Family-Fannie MaelFr�eddie Mac LINIFORM IIVSTRUMENT WITH MERS Form 3028 11�1 VMP� VMRBA�NE}�13Q2}.Q4 WoYters Kluwer Financial Services Page 12 of 17 i q�3345683n75 0�33 282 1�17