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r 2� 1 ��2324 If the L.�an is subj ect t�a law�hich sets maximum loan cha�ges,and that 1aw is finally interpret�d so that the interest or other�oan charges collected or to be collected in eonnec�ion with the L�an exceed�he permitt�d limits,then: (a}any such loan charge Sha11 be reduced by the amount nec�ssary�o reduce the � charge to the permitted limit;and(b}any sums already ca�lected from Borrower which exceeded permitted ' limits wil�be refund�d ta Borr�wer. Lender may choos��a make this refund by r�ducing the pr�ncipal owed � under the Note ar by making a�.�.rect�ayment ta Borr�wer. If a refund reduces principa�,the reducti�n wil� be treated as a partial prepaym�nt without any prepayment charge(�vh�ther or nat a prepayment charg�is provided f�r under the Note}.Borrower's aceeptance of any such refund made by direct payme�nt to � Bonower w�ll constitute a wai�er of any righ�of actian Borrower might have arising out of such overcharge. �I�. IVo�i�es.All aotices given by Bonower or Lender in connectian with this��curity�nstrument must be in writing.A�ny notice to Bvrrower in connectian w�th this Security Instrument shatt be deemed to have b�en given to Borrower when mailed by fust class mail or when actually delivered t�B�rrower's notice address if sent by ather means.Noti�e to any one Borrawer shall constrtute notice�o all F3�rrowers unless Applicable La�v expressly requires oth�rwise. The notiGe address sha11 be the Property Address unless � Borrower has designa�ed a substitute n�tice addr�ss by not�ce ta Lender. Borrower sha11 promptly natify I�end�r vf Barrv�rer's�hange of address.I��ender specifies a procedure�or reparting Borrav�e�r'�change � of address,then Borrower sha�1 on�y report a change of address through that specified procedure. There may be only one designated notice address under this�ecurity�nstrument at any ane��me.Any notice to Lender sha11 be given by deli�er�ng it or by mailing it by fvrst c�ass r�ai1 to Ler�d�r's address sta�ed her�in ' unl�ss L�nder has designated another address by notice to Barrower,Any notice in connection with this Security Instrument sha11 not be deemed to have been gi�en�o Lender until actually rece��r�d by Lender.If , any notice requued by this Security Instrument is also required urxder Applicabl�Law,the Applicable Law r�quirement wi��satisfy th�corresponding req�irement under this 5�cu.rity Instrument. , 'I S. Go�ern�n�Law; Sev�r�ability;Rules vf Ganstr�etion.This Secu.rity Instrument sha11 be governed by ; federal�a�and the�a��f the jurisdiction in vvhr�h�he Property is located.All r�ghts and abligations contain.ed in this Security Instrument are subject to any requirements and 1imi�a.tions of Applicable La�r. Applicab�e Law m�ght explicitly or implicitl�allow the parties to agr�e by can.�ract or it might be silen�,but such silence sha11 nat be construed as a prohibition aga�nst agreement by cvntract. In�he event that any pro�i�ion or clause of this Securit}��nstrument or the Note canflict�with Applicable Law, such c�nflict sha11 n�t affect other provisions of this Securi�ty Instrument or the Note which can be given effect withaut the conflicting provision. � As used in this Security Instrument: (a�vvords of the masGu�i�e gender sha11 mean and inc�ude corresponding � neuter wards or words of the feminiae gen.der; (b)words in the singular shall mean and inc�ude�he plural and vice v�rsa;and(c)the,word"may"g�ves sole discretion without any obligation to tal�e an.y act�on. : 'I 7. Borrower's�apy.Borrower s�a11 be given ane copy of the Note and of thi� Security�nstrument. 18. Transfer of th�Property or a Beneficiall nterest i n Borrv�nrer,As used in this Section 1 S, "Int�rest�n the Prop�r�y"means any 1ega�or ben�ficial interest in the Prop�rty, including,but not�imited to,tho�e , beneficial interests transferred�n a bond for deed,c�ntract fc�r deed, installment sa�es contract or escro� agreement,the intent af which is th�transfer of title�y Borrower at a future date t�a purchaser. � If all or any part of the Property ar any Interest in the Fraperty�s sold ar transferred�or if Borraw�r is na�a natura�person and a benef cia�interest in�orro�er is sold or tran�ferred}vwithou�Lender's prior written consent,Lender may require immediate paymen�in ful�of a11 sums secured by th�s�ecurity Instrument. Hovwe�er,�his vption shal�not be exercis�d by Lender if such exercise is proh�b�ted by Applicable Law. ' NEBRASIfA-Singfe Famiiy-Fannie MaelFreddie Mac UNIF�RM 1N5TRUMENT WtTH MERS Fomn 3�28 1141 VMP� VMPfi►4�NE)(1342}.44 INalters Kluwer Financial Se�vices Page 12�f i? q03354�15349 4233 334 1217 �