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2� 1 ���81 � <br /> Zf the��oan is s��b�ject to a la�tv��vhich sets maxi�n�im �oan char�es, and that la��v is finally ir�terpr�ted s� ihat <br /> the interest or oth�r loan charges collect.ed o1 to be coll�ct�d �n connectYa��with the Loar�exceed the <br /> permitted �ilnits, �hen; �a)axly such loa��char�e shal�be reduced by the amoul�t necessary�o r�duc;e the <br /> charge to the perrnFtt�d limit; and�b}any surns already collected from Borrower which exceeded permi�ted <br /> limits will be refi�nded to Barra�ver. Lend�r�nay choose to make this refund by reducin��he prir�cipal o�ved <br /> under the Note or by making a.direct paylnent to Bonower. If a refiind reduces principal,the red�.�ction��ill <br /> be treated as a partial prepayrne��t wi�hout any prepayrnent charge (whether or i1o�a prepayment charg�is <br /> provi�ed for under the Not.e}, Borrower's accep�ance�f any such refund�nade by dire�t payment to <br /> Bo�-rower�ri11 constitute a waiver of any ri�ht of actiai�Bo�7•��t�ver iriight ha�ve arisin�o�it of s�r�:h ov'er�har�e. <br /> 15. Noti�es.All notices�iven by Borrower or Le��de�'1Tl GQ111�]�Gti0�7 Wl�:h fhiS SeClX11t.��t]5�11�I�i1�I�t 171L�S� b� il7 <br /> writin�. Any nQtice to�3on•�wer i���corazYectio�r�it�� t�ais Se�:urity Ir�st�-rzrY����t sh�ll k�e dec;�r�ed tc� �lave bec:r� <br /> giv�n to }3orra�ve�-��hcn�r�ailcd by tirst class lnaii or��hcn ac���alty dcli��crcd to L�or�-a��cr's��a�icc a�dress <br /> if sei�t by ot��er rrieans. Notice to�r�y o�ie �3or�-a��er shall cor�s�it��te tloti�e ta all �3a�-ro�vers«ulcs� <br /> Applicab�c La��cxpressly rcquires otherwisc. rI'hc t�oticc address sha11 bc thc Property�ddress r�nl�ss <br /> Bon o�rer��as desi�nated a substitute notice address by natice to Le�}der. Ba�-rotiver shall pro�Tzptly��oti fy <br /> Lcndcr flf Borrawcr's changc af address. �f Lcnder spccifies a proccdurc fo�r rcport�ng Borrowcr's chan�c <br /> of address, then Borra�ver shall only report a c��ar��;e of address t��rou�h t�iat specified proced��re, <br /> There may be or�lv one designa�ed not�c�address ur�der this Secu�i�y 7nstr��ment at any o��e t:ime, Any notice <br /> ta Lender�hall be given by deliverin�it or by mailin�it�by first c�ass mail to Lender"s ad�ress state�herein <br /> «nless Lender has design�ted anothel-address by notice to I�o1-rotiver. f�r1y notice in connectio�l�.vith this <br /> Security I��st�rument sha11 i��t be de�med to ha�t�e be�r�given to I.��nder�zi�trl acttz��ly recci�ed by I.e�lder, �f <br /> any notice requ�red by this Security 7nstr��men�is also reyuired r��lder�pplicable Law, the�pplicable �,aw <br /> requir�men�wiil satisfy the corresponding�equirement«nder this 5e�urity Instil7ment. <br /> �I�. Go�erning Law; Severab'rlity;Rul�s of�onstructivn.This Sec«�ity Instrument shall be governed by <br /> federai 1aw and th� law of the jurisdict�an in which the Praperty i�located. Al�right�and obligatiions <br /> contained in this Security 7nstrument are subject to any re�uirements an�timitations o�"Applicable Law. <br /> Applicablc Law might cxplicitly or i�nplicit�y al��w thc partics to a�rc�by contract or it mig��bc silcnt,bu#. <br /> such siience shall not be construed as a prohibiti�n against a�reeincnt b��co��tract. �n the c��ent that any <br /> provision or clause of this Security Instr�trnent or�he Not.e confli��s with E�pplic��blc La�v, s�tch con#�lict sh�11 <br /> n�t�ffect c�ther pro��isiot�s�f thi�S�c�rrity Inst�-ument c�r the Nc�t�which can b� �;i��r��fC�ut rvithc�ut thc� <br /> �-onflictir�.�pravisian. <br /> As used in this 5ecurity Instru�nei�t: (a��vords of the Y�nasculir�e get�dcr shall mean aild includG correspondin� <br /> neuter�v�rds or words of the femi��irae gexlder; (b)��ords in the singutar sha11 inean and incl��de th�plural <br /> and vice�ersa;and �c)t�he word "may" gives sole discretion without any abligation to take any ac�ion. <br /> 1�. Borrawer's�opy.�orrow�r shall be�iv�n one c:c�py t�f�he Note anc�of thi� Se�urity�i�strt�ment. <br /> 18. Transfer of the Proper�y or a Beneficialtnterest�n Borravrrer.As used in this Section 18, "In�erest rn <br /> the Praperty" means a1�y le�al or beneficial �nteres#�in the Proper-ty, i��cluding,but not limited to,those <br /> b�r�efi�ial ir�terests�rar�sf�r�ed in a boY�d far deed,cor��tract fa1•d�ed, ir�stalll-nen�saics co��t1•act�or escraw <br /> agreemex7t,the in�ent of�vhich is the transfer of�itle by�3ai-rower at a fi�ture date tc�� p��rchaser. <br /> If all or any par�o�'the �'roper�y or any I��terest ix-�the Prape�y is sold or t�a�sferred (or if�3arrowe�-�s not a <br /> natural person and a be��efici�l interest iri F3o1-ror�er i�sald or tra�.sferred}without Lender's prior�vritten <br /> �onsent, Lenc�er may req«ir� immediate pay�n�nt in full�f��l s��ms SG�:.ur�c�by this S�c�irity �nstrr�ment. <br /> Howe�er,fhis optr�n sha11 no�be exercised by Lender if su�h exercise xs prahibi�ed by Applic�b��L��.v. <br /> NEgRASKA-5ingl�Family-Fannie MaelFred�ie Mac IJNI�QRM INSTf�UMEN�WIrH MERS �orm 3��8 110� <br /> VMP Q VII�F'6A(NE}(134�}.00 <br /> Wniters Kluwer Financial Servic�s �'ag�12 of 17 <br /> q�336fl5�9848 0�33 337 1217 <br />