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2� 1 ��23� 1 If the Loan is subj ect ta a�a�r which sets maximum loan charges,and that 1aw is finally interpreted s�that �he interest or�ther loan Gharges collect�d ar�o be�ol�ecte�.�n cvnnectivn with th�Loan exceed the permitted lirnits,then: �a)any such�oan charge shal�be reduced by the amount nece�sary ta reduce th� charge to the permitted limit;and�b}any sums alread�co1leG�ed fram Barrower�vhich exceeded permitted limits�i11�e refi��ded�o Bv�o�er.Lend��'�ay�hoose to make this re�nd b�re��cing the principal owed under the Note or by making a c�irect pa�ment to Borrawer. If a refund reduces principal,the reducti�n wi1� be fxeate�as a par�ial prepayment�v�thout any prepayment charge��vhether or not a prepayment charge is pr�vided for under the Nate}.$orrower's acceptanc�of any such r�fund mad�by direct pa�men�to Borrower�vil�constitute a waiv�r of any right of a�tion Borrower might ha�e a.rising out of such overcharg�. �5. Ida#i�es.All natic�s given by Borrower�r L�nder i�n�on.ne�ti�n�ri�h this 5e�urity Instrume�.t n3ust be i� wri��ng. Any notice to B�rrawer in connection with this Securit�Instrument sha��be deemed to ha�e been given t�Borr��ver�hen mailed by first class mail or�hen actually deli��red to B�rrnwer's n�tice address if sent b�other means.l�otice to a�y one Borrower shall cans��u�e n.otice to a11]3orrov�ers unless Appl�cable Law expressly requues othenvise.The notice address sha11 be the Praper�r Address unless �orrow�r has desig�ated a sub��itute not�ce address by notice to Lender. Bon�tiver shall promptly notify L�nder af�i3orrovv�r�s�hange af address.�f Len�.er sp�cifies a procedure for repar�ing Borrower`�change of address,then Borrower shall only report a change of addr�ss tbrou�gh that spec�fied procedure. There may be only one designated�c��ice address under this S�curity Instrum+ent at a�y o�e ti��e.An�notice to Lender shall be given b�deli�er�n.g it or by mail�ng it�y first class ma��to Lender's address sta.ted herein unless Lender h�.s designated anather addr�ss by notice to I�orrower, Any notiee in connection with this S�c�.rit�Instrun��e�t sha�ll nat�e deemed�a have be�n give�n t�Lender�.ntil actu.a�ly received by i.�nd�r.�f an�r no�ic�requi.red by thi�Security Instrument is als�required�ndear Applical�le Law,the Applicable Law requir�ment w�tl satisfy the corresponding requirement under this Security Instrum�nt. '1�. �a�erningLaw; Se�erability;Rules of�anst�uction.This Securi�Instrument shall be go�emed by federal la�v and the lativ of th�jur�sdictian in w�.ich�he Property is lacated.�.��rights and ab�i�ati�ns cQntain�d in this��cu.�ity Instrument are�ubjeet to any rec�ui.rements and limit��ions of Applicabte�.�.�r. App�icable Law m�ght explicitly or implicitly a11ow th�parties to agr�e by contract or it might be�i�ent,but such sile�xce shall not be construed as a prohibition against agreement by contract. Tn the e�ent that any pro�ision or c�ause of this Securit�I�strumen�t ar the�ote c�nflicts�vith Applicable i�a��such conflict si�a11 not affect ather provisions of thi�Security�ns�rument or the Not�wh�ch can�be g�v�n effect vvithout the conflicting provision. As used�n this Secur�ty Instrument: �a}words of the masculine gender sha11 mean and include conespond�ng neuter w�rds or words of th�f�minine gender; �b}words in�he singular shall mean and include the plural and v�ce versa;and(c)the 4vord"ma�"gives sole discre�ion with�out any obligation�v t�.l��a�y action. �I?. Borrower's�opy.Borrawer sha11 be given one cvpy of the Note and of this Secur�ty Instrument. 'I 8. Transfer o#the Proper#y or a 'B�eneficiai�nte�est�n Borrower.As us�d in t�is Secti�n 1 S, t'interest�n t�ie Property"means any��gal or�eneficial int�rest in the Property, including,but not limited t�,�hose beneficia��nterests transferr�d�n a band for deed,contract for deed,installment sales contract or�scrotiv agreement,the intent of which is th�transfer of title by Bflrro�ver at a future date�o a pur�haser. If a��r any part of the Progerty or an}�Interest in the Pr4gerty is sv�c�ar transferred��r�f Borrower is not a n.atural p erson an�.a�ene fi�ial inter�st in l�orrower is so�d or transfe�red)without�,ende�'s�rior�ritten consent,Lender may requir�immediate payment in fu11�f all sums secured by�his Security Ins�rument. However,this option shal�not be exercise�by Lender if such�xercise is prohibited by Applicable Law. NEBRASKA-Single Family-Fannie MaelFreddie Mac UN[FQRM INSTRUMENT WfTH MERS Farm 3d281101 11NiP� VMPfiA(NE�(1342}.44 Wolters I{luwer Fir�ar��ial Services Pag�12 of 17 q�3354z9�59� 4�33 345 1217