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2� 1 �� 1 �37 4 � i T d � i �f�he Loan is sub��t�o a�a�v wl�ich se�s maxxmum�oan�1large�, and tha�1aw is�na�ly xn��rpre�ed so �hat�he�n�eres�nti other�o�.n charges colTected o�•�o be collected in connectiar�v�i�h the Loan exceed the p�Z�17.1��LC��1�T11�5 y�hen; �a} an�r st�ch 1��chat�ge sha11 be t�edL�ced by the amount ne�essazy��t edt�ce�he charge�a the permit�ed��mit;and�b��sL�ms already collect�d from Borrower�vhich exceeded per�rxait�ed �imi�s Wi�1 be refu�.t�ed�o Borrower, Lend�r may choase�o m�:��e th�s refiXnc�by�reducing�he priricipa� owed under t��e Note or by making a dir�ct payxnent��B�rrower, If a refur�d redt�ces pr�r�cipal,�he re�.uc�ion v�rill be�rea�ed as a par�ial prepaymen�v�i�I�ou�any p�epaymen�charge��vhe�he�•or�.o�a prepayment charge is provided for u�a�.er�he No�:e}.Borro�er's acce��.x�ce of a�.y such refU.nd made by c�irect payme�zt�a Bo�-rovv�er wil�co�lstitut�a wa�v�x of a�y r�ght of act�o�.B�rrow�r migh�have arisxng �ut of stxch o�ez•charg�e °!5. ��i��s.A.II notices given by B o�-�•aw�r or Lender in co�nec��on vvi�h�h�s S�curity Inst�l�m�n�must b�Yn writing.Any na�i��fl Borr�,wer�n caz�n�c�ior�with�hxs S�cu�-x�y I�s�r�.�m�n�s�a.all be deemed�� h�ve been gi�en�fl Barrawer�vher�mai�ed by�'irs1;class m�,xl or when actually de��vered�o L�rrov�er's r�o�ice address xf sent by othez means.Notice t�any❑ne Borrowe�sha��constitu�e r�o�xce to al�Borro�wers L��.less Ap�l�cable Lav�expr�ssly r�c�tiires o�h�rwise, Th��.o�i�e address sha��be�he Prop��y Address unless Borra�rer has design�.t�d a s�.�bs��.��e i�o�ice a�dress by no��ce�o Len�.er,Bo�°z awer sha11 prompt�y natify Lend.er of Barrower's change of address, If�.end�r specif'ies a procedure f��r reporting Borr�wer's chax�ge of�.ddress,�hen B�rr.n�rer sha��onXy re��rt a char�ge of address thx�ough�ha�specif�ed pr�cedure. There rnay be only one c��signated�o��ce address�.�nder th�s Sect�rity I�.st�.�m.ent a�any o�e�ime,A.r�y r�o�ice to Lender s�ia�l be giver�by de��ver�ng�t or�y maili�.g�t by f�rst c�ass ma��o�er�der's address stated here�n Luzles�Le�d�r has des�gnate�.another add�ess by x��t�ce t�Borr��v��r.Ar�.y notice i�contlec��on wit�th�s �ecurity Izzstru.m�nt sha�l no�be deerri�d�o have been give�to Lender untx�actua��y r�ceived b�Le�c�er. If a�ly�Znt�c�r��t�ired l�y�his Security I�.str�.ux�.ei��is also required under A�p�icable Law,�h� A�plicable Lav�req�x�r��en�wi11 sa�isfy the corresp�nd�n�r�quirei-��nt u:nc�er this Se�ur��Ins�rumen�, 'I�. Gar�erning �av�r; ��rr�r��ity; F�ules �f Go��tru�tion. Th�s S�curity Ins�r�,�r�er�t sha11�b� govern�d by federa�l�v��nd.�h��a�v af the�ur�sdxc�iox��vv�zi�h�he Prape�-�y xs Ioc��ed. AIl�•xgh�s and ob��gat�on.s coritained��his S�curzty I�.s�x�.�ment a�-�st�b�e��o any rec�u�remen�s and limita�ions af Applica��e La�r, App�icable L.aw might expli�itly or�mplici��y al�ow the pai��s�o ag�ee by can�ract or �f:might be si��n�,bu�st��z silence sha�I not be�ons�r�.�ed as a,prohibition agar�sl:ag�•eemen�by cantract, Ir�the even�t�aa�any pra�visior�or c�ause�f�llis�ect�rity In�tr�.�ment or the Nnte c��fl�c�s vsr��h A�aplicable Law, such cor�flic�shall r�.��affect�ther prov�s�ons of�h�s Secl�ri��znstrument or��.e Na�e�1�ich can be g�ven erfec��vv��hott��he conf��ct��g p�avision. As used i��his Security�ns�rument: �a��vords of the masc�.�line gender shaX�mea�.and ir�clude corres�ond�ng r�eu�e�words�r v�orc�s of t�e fem�.�.�n�ge�.der; �b}words��.t�.e singular shal�zn�an and in��Ltc�e�h�p�ti�ra.�an�.vi�e versa;and�c}�h��ror�l"rnay"giv�s sole discre�ian wi�hout��.�.y obl�ga�ior��o tal�e any ac��n. '�7. B a rrow�r"s ��pyx I3�rraw�r sh�:�l b e gxv�n.o�e copy�f�he No�e�.�.d of this S e curi�y Instrume�.t. 'I 8. Tran�fer of the Propert�r �r a Benefi�ia� Int�rest in �vrro��r. As L��sed in thxs Se��ion 18, "In�erest in�he Property"mea�s any lega�or benef�cza��n�ere��in�he Property,�r�cluding,bu�no��mi�ed �o,t11�se ben�f�c�a��n��res�s�ra�.sfer��ed in a�or�d for c�eed, con��•ac�for deed, ir�stallmer�t sa�es con��ct or es�row agreeme��,the in�ent of v�hich�s�he transfer r�f�i1:1�by B orrower a�a fi.�t�ire c�a�e�o a purchase�. HCFG-04359 NEBRASKA-Single�amify�Fannie MaelFreddie Mac�NI�aRM INSTRUMENT Form 3028�10� 11MPa 071�5 W�iters Kluwer�Iriancial 5ervices 2��6Q�07�5.2.2.329�-,]24�5Q7�£iY Page�2 of 17 *2��7$8�62 1'�