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2� 1 ��42 �f the Laan is subject to a law which sets maximum laan charges, and that law is finally interpreted so that the interest or ather loan charges collected or ta be cotlected in connection with the Loan exceed the permitted 1imi�s, then: �a) any such loan �harge shall be reduced by the amoun� necessary to reduce the �harge �a the permi�ted limit; and (b� any sums a�ready collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may�hoose �Q make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces prin�ipal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or nat a prepayment charge is pro�ided for under the No�e}. Borrawer's acceptance of any such refund made by d�rect paymen� to Barrower will consti�ute a wai�er of any right of action Borrower might have arising out of such o�ercharge. 15. Noti�es. All no��ces gi�en by Borrower or Lender in �onnection with this 5ecurity Instrument must be in wr��ng. Any flo�ice to Borrower in connection with th is Security �nstrument shall be deemed tv ha�e been gi�en to Borrower when mailed by first class mail ar when actua�ly deli�er�d to Barrower's notice address if sent by ather means. Notice to any one Borrower shall c�nstitute notice to all Borrowers unless Applicable Law expressly requires atherwise. The notice address sha11 be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shail pramp�ly notify Lender of Barrower'� change of address. If Lender spe�ifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through�hat spe��fied pro�edure. There may be only vne designated notice address under this Security Instrument at any one time. Any notice to Lender shall be g��en by deli�ering it or by mail�ng it by f rst�lass mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shail not be deemed to ha�e been gi�en to Lender until actually reGei�ed�y Lender. If any noti�e required by this 5ecurity Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requiremen�under this Security Instrument. 'I S. Go�erning l.aw; Se�er'abiiity; R�ufes of �anstruction. This 5e�urity Instrument sha1l be go�erned by federa� law and the law of the jurisdictivn in which the Pcvperty is located. A�l rights and obligations contained in this Se�urity Instrument are subject �o any requirements and limitatians of Applicable Law. Appiicab�e Law might explicitly or implicitl� allow the parties to agree by contract ar it mig,ht be si�ent, but su�h silence shall not be canstrued as a prahibit�on against agreement by contract. In the e�ent that any pro�isian or clause of this Securiry Instrument or the Note conflicts w�th Applicable Law, such cvnflict shall not affect other pro�isions of this Security Instrument or the Note which can be gi�en effect without the conflicting pro�isivn. As used in this Security Instrument: (a}words of the masculine gender shall mean and inc�ude corresponding neuter words or words of�he feminine gender; tb} words in the singular shalt mean and in�lude the plural and�i�e �ersa= and(c}the word "may" gives s�le discretion with�ut any obligation to take any action. 17. Bvrrowe�'s Copy. Borrower shall be gi�en one cvpy af the Note and of this Se�urity Instrument. 18. Trar�sfer af the Property or a Beneficial Inter►est in Bamawer. As used in this 5ection 1S, "Interest in the Property" means any legal or benef cial interes� in th� Property, includEng, but not limited to, thase benefi�ia� interests �ransferred in a bond for deed, cantra�t fvr deed, �nstalim�nt sales �ontract or escrow agreement, the intent of whi�h is the�rar�sfer of title by Borrvwer at a future date to a purchaser. If a11 or any part of the Property or any �nterest in the Property is sold or transferred(ar if Barrower is not a natural person and a beneficial interest in Borrower is sold or transferred} without Lender's prior written �ansent, Lender may require immediate payment in fu11 of a�l sums secured by th�s S�curity Instrument. Howe�er, this option shall not be exercised by Lender if such exercise is prohibited by Applicabie Law. Q01124354056 Citibank 3.2.7�7.12 V2 NEBRASKA-Single Family-Fannie MaevFreddie Mac UNIF�RM IN5TRl1M�JT WITH MERS Farm 3028 11�1 VMP� VMPfiA[NEy{13��).�� Wolters IC�uwer Fnancial Servi�es Page 12 af 1l