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2� 1 �� 14 If the Loan is�ubj ect to a lav�which sets maximun�loan char�es,and that�aw is fiaally�nt�rpreted so that the interest ar�ther loan charges callected ar ta b�co��ected in connection�ith the Laan exc�ed the permitted limits,then: [a)any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit;and(b}an�sums already cvllected from Borrower which exceed�d p�rmitted iimits will be refunded t�Borrawer. Lender may choose to make thi�refund by reducing the principal owed under the Note ar b�making a direct payment tc�Bvrrower. If a refund reduces principal,the reduction Wi11 b�tr�ated as a pa,rtial prepayment withvut any prepayment cha.rge�t�rhether or n�t a prepayment charge is pra�ided for under th�Nate}.Borro�rer's acc�ptance of any such refuad mad�by duect payment to Barrawer wil�constitute a�aiver of any right af action Borrower might have a.rising out of such ov�rcharge. '�5. Noti�es.All natices given by F3orrawer or Lender in cannection vvith this Security Instrument must be in �-it�ng,An.y n�tice to Borrower in con.nection with�his Security In.s�rument sha11 be deemed to ha�e been given to B�rrower wh�n mailed by f�rst c�ass mail or when actually d�livered to Borraw�r's not�ce address �f sent by other means.Notice ta any one$�rrower shall constitute n�tice t�a11 Borrawers uniess Applicable Law expressty requu�s otherwise. The notice address shall be the Proper�y Address unless Borrower has designated a subs�itute no�ice add.r�ss by notice to Lender. Borro�ver sha��promptl�r notify Lender of Borrower's change of address.If Lender specifies a procedure for reporting Borrower's change of address,then Barrower shall only report a change of address thraugh that�pecified pr�cedure. There may be only one designat�d notice address under this Security Instrument at any on�time.An�not�c� to Lend�r shal�be�iven�y delivering it ar by mailing it by first class mail to Lender's address stated herein. unl�ss Lender has designated another address by natice to Borra�er.Any notxce in c�nnection�vith this Secu.r�ty�n�trumen�sha11 not be de�med to have been given to Lender until actually received by Lender. If any n�tice requued b}�this Security Instrument is also required under Applicable Law,the Applicable La�v r�quiremen.t will sa.tisfy the corresponding requirement under�h�s Security Ins�rument. �I 6. �over�n�ngLav�� everability;Rules of�onstruction.Thi�Secur�ty�nstrument shall be governed by federal la�r and the 1aw of the jurxsdicti�n in�vhich the Property is located.Al�rights and obligations contained in this Security Instrument are subjec�to any requirements and limitatians of Applicable La�. Applicable Law might explicitly or implicitly aila�the paerties to agree by con�ract or it might be si�ent,but su�h s�lence shall not be construed as a prohibi�ion aga�nst agreement by eontract.In the e�ent that any pro�ision or c�ause of this Security�n�trum�nt or the Note conflicts with Appti�abte Law, such conflict sha11 not affect other provi�ions af th�s Secur�ty Instrument or th�Note which can be given effect without�he conflicting pro�ision. As used in thi�Security�nstrument: �a)words of th�masculine gender shal�mean and includ�corresponding neuter words or word�of the feminine g�nder; (la}words in the singular sha11 mean an.d�n�lude th�plural and v�ce versa;and[c�the word"may"gi�es�ole discretion w�thaut any obligation to ta.ke any action. �17. Bvrt�ower�s C�py.$�rrower shall b�given one copy of the Note and af this Security instrument. 'l 8. Transfer af th�Property or a Ben�aficiallnter�st in Borrc��ver.As used in this 5�ctian 1$, "�nterest in the Prop�rty"means any 1ega1 or beneficial i�.terest in the Property, inc�uding,but not�imited to,t�ase beneficia�int�r�sts transferred in a bond for deed,contract for deed, instal�ment sales contract or escrow agreement,the intent of which�s the transfer of titte by Borrower at a future date to a purchaser. If all or any part of the Propert�or any Intere�t in the Property is s�ld or traasferr�d�or if Borrower is not a natural person and a beneficial�nterest in Borrower is sold or transferred)witha�t Lender's prior written con�ent,Lender may require�mmediate payment in fu��of all sums secured by this Security Insixument. Hvwever,this option shatl nat be exercised by Lender if such exercise is prohibited by Applicabl�Law. NEBRASKA-Single Famiiy-Far�r�ie MaelFreddie Mac L1NIF�RM INSTRUMENT WITH MERS Form 3428 1141 VMP� VII�IP6A�NE}(13n2j.44 Wotters Kluwer Financial Services Page 12 of�7 qU 364 ��51 4z 3 297 iZ17