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� 2� 1 ��959 �f the Loan is subj�ct to a law tivhich sets maximum loan charges,and that law�s finally interpreted so that the interest or other loan charge�collected or to be co�lected in connect�oa�vith the Loan exceed the permitted�irnits,th�n: �a}any such loan charge sha11 b�reduced by the amount necessary to reduce the charge to the permitted l�rriit;and(h}any sums alread�coll�Gted frorn Barrower which exce�ded permitted limits will�e refund�d tv Borrvwer.��nder�nay��oose to make this�re�und by red�.c��g t��e��n.cipal o�ed under the Note or b�mak�ng a d�rec�payment ta�orro�ver.If a refund reduces principal,the reduction will be treated as a pa�tial prepayment without an�prepayment�haxge(�rhether ar not a prepayment Gharge is provid.ed for und�r the l�ote).Borrawer's a��eptance af any suc�r�fund m�de by dir�ct pa}�ment to Borrower will constitute a waiver of any ri,�ht of action Borro�ver might ha�e arising out of such overcharge. 'I 5. Notiees.Al�not�ces given by Borrower or Lender in�onnection with this Security��slxume�t mus�be in vvriting.AtYy notice to Barrovver in conn�ction.�vith this Security Instrument shall be deemed to ha�e be�n given to Borrower when mailed by f�rst class mail or whea actu.al�y d�livered to Borrower's notice�ddress if se�t by�ther means.Notice to any one Bo�ro�ver s�all constitute notiee to a�ll�orro�ers unless Applica��e La�v expressiy requues otherwise. The no��ce address shall be the Fr�per�A�dress unless Bon�wer has designated�substifixte notice addres�by notiGe to Lend�r. Barxower shall prompt�y notify Lender of�3orro�v�r's c'h��ge of address.��'Lender specifies a procedure for r�parting Borrotiver's change of addr�ss,�hen Borrot�ver sha�l on�y report a change of address through tha�specifie�procedure. There may be only one designated notice ac�dress under�his S�curity In�trunn�ent a�any one time,Any notice to Lender sha11 b�g�ven by delivering it or b�mailing it by first class mail to Lender's address stated herein unless Lender has de�ignated anoth�r address by notice ta Borra�ver.Any n�tiee in connectiaa with this �e�urity Ins�rument sha11 not be d.ee�ed to have been gi�re�to Lender until�.�tu�11y recei�ed b�Lender. If any notice required hy�h�s Security Instrument is also requited under Applicab�e Law,th�Applicable Law requi.rement wiil satisfy the carresponding requirement under this Security Insi�ument. 'I�, Go�erningLaw; Se�erability;Rufes of�anstruetion.This Se�urity Instrument sha11 be go�emed by federal�a�v and th��aw of the jurisdiction in�vhich the Property is 1�cated.AI�rights and obligations contained in this Security Instrument are subject ta any r�q�uements and limitation.s of A�pt�ca��e Law, Applicable Law might exp�icitly or imp��citly a11aw the par�ies to agr�e by contract or it rnight be silent,but such sil�nc�sha1�not be constru�d as a prohibitian against agreeme�.t by contraet. In the event that any prav�s�on ar c�ause�f this Secu�rity�n.strument or the I�Iote c��nf��cts�ai�h Applicable L�.v�,s�c��onflict sha11 �ot affect other pravisians of this Securifiy Instrument or the Note�rhich can be given effect without the conflicting provision. A.s used in this Security Instru.ment: �a}words of th�mascul�ne gender shalt mean and inc��de corresponding neuter words or word�of the femin��.e gender; (b�words in the��n�;ular sha11 mean and inctude the plural a.nd vice versa;and�c}the tivord"may" gives sole discretion withou�any obligatian to t�ke any action. 'I 7. �arrower's Cvpy.Barraw�r sha��be given one capy of the Note and of this Secur��y�n.strument. '18, Transfer of the P�ropert�or a Bene�ciallntere�t in Bvrrvwe�.A.s used in t�is Section 18A "�nterest in the Proper�y"means any�egal or benefici�.�inter�st in the Prop�rty, including,but not limited to,those benefic�a��nterests transferred in a�ond far deed,Gontract for deed, insta�lment sales contract�r escrow ag�eement,the intent of r�hich is the tran�fer of title by�3orro�er at a future date to a purchaser. If all or any pa.r�of the Property or any Int�rest in the Froperty is sold or transferred�or if Barrower is not a natura�person and a�eneficia�interest in Borravver is sold or transferred}withou�Lender's prior written consent,Lender may requ�.re imrned�ate payment in full of a��sums secured by this S�curity In.s�rum�nt. Ho�vever�th�s option sha1�nat be�xercised by Lender if such exercise is prohib�ted by Applicable Law. NEBRASKA-5ingle Famify-Fannie Ma�lFreddie Mac�N�FORM INSTRUMENT WITH MERS Farm 3028 1141 VMP� VMRBA(NE](13fl2}A4 Wo�#ers Kluwer Financial 5ervices Page 12 of 1 T q�33f179�581 0z33 265 lz1?