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��1 5�67�� � If the Loan is sub�ect to a law which sets maximum loan charges,and that Iaw is finally interpreted sa that the interest or other lvan charges collected Qr to be col�ected in connecCian with the Lnan e�c�ed the permitted limits,then: �a}any such loan charge shall be reduced by the am�unt necessary to reduce the charge to the permitted limit; and�b}any sums already callect�d from Borrawer whi�h exceeded permitted limits will be refunded ta$orrower. Lender may choose to make this refund by reducing the princ�gal owed under the�at�or by mak7ng a dYrect pa�ment tQ Borr�wer. If a r�fund reduce��rincipal,the redu��ian will be treated as a partial prepaymen�w�thout any prepayment charge(whether or not a prepayment charge is provided for under the Note). Barrawer's acceptance of any such refund mad�by direct payment ta Borrower will constitute a wai�er of any righ�of activn Barrower might ha�e arising out nf such o�ercharge. 15. Natices. A11 notices giv�n by Barrower ar L�nder in connection with this Security Instrumen�must be in writ��g. Any noti�e tv Borrvwer in Conn�cti�n with this Security Ins#rumen�shall be deemed to ha�e been given to Borrower when mailed by first class mail or when actual�y deli�ered to Borrawer's notice address if sent by other means. Natice to any one Borrawer shail constitu�e notice to a11 Borrowers unless Applicable Law expressly requires atherwise.The natice address sha1�be the Property Address unless Borrawer has designa�ed a substitute notice address by notice to Lender.Borrower sha11 pr�mptly notify Lender of Borrower's change of address. If Lender specifxes a pra�edure for reporting Borrower'�change of address,then Borrower shall�nly report a char�ge af address t�rough that specYfYed�racedure. Th�re may be only one designated notice address under this Security Instrurnent at any one tirne.Any notice ta Lend�r sha�l be given by d��iWering it or hy mailing�t by first class mail to Lender's addr�ss stated herein un�ess Lender has designated another addr�ss by noti�e�o Borrower.Any no�ic�in connectian with this Security in�trument shal�not be deemed to ha�e been given to Lender untii actually received by Lender. Yf any notice required by thi.s 5eeurity�nstrument is a�so requxred under A��ica�le Law,the Appli�ab�e La� requirement will satisfy the corr�sponding requirem�nt und�r this Security Instrument. �fi. Ga��rnin� Law; Severability; Rules of Cons#ruction. This Security Instrument shall be go�erned by federal la�v and the lavv of the jurisdiction in whi�h the Property is loca�ed.AIl rights and obligations contairied in this Security Instrument are subject to any r�quirernents and limrtations 4f Applicable Lavv. App�icabie�a�might ex��icitl�ar implicitly allow the parties to agree by�ontra�t or it might l�e silent,but such silence sha11 not be construed as a prohibition against agreement by contract.In th��ent that any pra�isian or clause af this Security Instrument or the Note canflicts with Applicable Law,such conflict sha11 not affect oth�r pro�i�ions of this Security Instrument or th�Note which can be gi�en effect withaut the �onflicting provision. As used in thi�5ecurity Instrument: �a�words of the masculine gend�r sha11 mean and include corresponding neuter words or words of the feminine g�nder;�b}words in the singular sha11 mean and include the plural and�ice�ersa;and(c}the ward "may" giWe�sole discr�tion without any ol�ligation to take any a�tion. 17. Bvrravuer's C�ipy.Borrower sha11 be gi�en ane copy af the l�ote and�f this Security Instrument. 18. Transfer vf the Property vr a Beneficial Interest in Barrawer. As used in this Section 18, "Interest in the Property"means any�e�al�r bene�cra�in�erest in the Praperty,�nc�uding,but not limited to, th�s� beneficial interests transferred in a bond far deed,can�ract far de.�d,installrn�nt sales cantract ar�scrow agreement,the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the F'roperty or any Interest in the Property i�sold�r transferred tor if Borrawer is not a natural persan and a beneficial inter�st in�orrower is sold or transferred}vvithnut Lender's prior written canser�t, Lende�may requi�e immediate�a�m.ent in full of a11�ums secured by this Security Instrum�nt. Hovvever,this option sha��not be exercised by Lender if such exercise is prQhibited by Applicabl�Law. 15926G753 40�21D4744 N�BRASKA-5i�gle Fami�y-Fannie Mael�reddio Mac�NIFORM INSTiit1MENT WITH MERS Fvrm 3�28 114i VMP C� VMPfiA�NE)�13�2j.fl� Waltars Kluwer Finan�ial 5er�ices Page 1�of 17