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2� 1 ��7�� If the Loan is subj ect to a law which se�s max�m�m�oan charges,and that lavv�s fina��nterpreted sa that the interest or ather laan charges�otlected or ta be c�lle�ted in cannection with the Loan e�ceed the p�rmitted limits,then: �a}any such loan charge shall b�redu�ed b�the amount necessary to reduce the charge tv the permitt�d limit;and�b)any sums already collec�ed fr�m Borrower which exceeded permit�ed l�mits will be refunded to�orr��ef. i��ender may�hoase to make this refund by re€iucing the principal owed under the N��e or by rnaking a dir�ct payment to Barrower. Tf a refund reduces principal,th�reduction wi11 be treated as a partial prepayment without an}�prepayment charge�vvhether or not a prepayment charge�s pravided for und�r the�o�e). Borrawer's a�cept�nce of any such refund made by�lir�ct payment to Borrower witl canstitute a wai�er of any right of actian Borrower m�ght have arising out�f such�vercharge. 15. Notiees.All notices given by Borrflw�r or L�nd�r in connection with this Security Instrume�.t must be in writing.Any natice to Borr�wer in conan.�ction with thi�Security Ins�rument shal�be deemed to have been given to Borro�rer when mailed by firs�c�ass mail or when actual�y delivered�o B�rro�er's n��ice address if sent b�r o��her means,l�ot�ce to any one Borro�er sha11 constitute�4tice to all Borrawers un�ess Appli�able Law��pressly r�quires otherwr�e. The not�ce addres�sha��be the Property Address unless Borro�ver has des�gnated a substitute not�ee address by notice to Lender. Borrower shatl promptly notif� i�ender of Borravv�r's change of address. ��Lender�pecrfies a procedure for r�portin�Borrower`s change of address,then Borrower�ha��onty repor�a change of address through that specifed procedure. There rr�ay be onty one d�signated natice addr�ss under�his Security Instru�ment at�n�one t�rne.Any n�tice to Lender shall be given b�r de�ivering it or by mailing it by fust class mail to Lender's address stated herein unless Len�i�r has designated another address b�natice to Borrower.Any notice in cor�..n.ection with this Security Ins��.t shall not be deemed t�ha�e been given to Lender until actually received�y Lend�r.If any no�ice required by this Secur��nstrument is also required under Applicable Law,the Applicable Law r�quirement wi11 satisfy the correspond�ng requirement under this Se�urity Ins�rumen�. �I fi. �Qverning Lavr►; Se�erabifity;F�utes of Construetion.�his Security Instrument sha11 be governed by federal�a�and the 1aw of the jurisdiction i�a which the I'roper�is�acated. A��righ�s and obligations �ontained in this Securi�ty Instrument are s�b�ect to a�y requirements and limitations af App��cable Lav�. Applicable Law niight explic�tly or�mplicitly allow the parties to agree by contract or it mi�ht be silent,but such s��enee�ha11 not be constru.ed as a prohibi�ion against a,greement b}�contract. �n the event tha�any provision or claus�of this Security Instrument or t'h�I�ote con�i�ts with App�icable Law, such conflict shall not affect other pro��si�ns of this Securi�y Instrument or the Note which can be given effect tivithout the c�nflicting pro�ision. As used in this S��ur��y Instrument: (a}urords of th�masculine gender sha11 rnean and include�orresponding neuter words or��rds af the femin�ne gender; (b}words in the singular shall mean and include the plural and vi�e versa;and(c)the vvord"may"gi�res sole di.scr�tion�vitho��n�obligat�on ta ta1��an�action. 'I?. Bvrrower's�apy.Borrower sha11 be gi�en one capy of th�Note and of this Security Instrument. 'l�. Transf�r vf th�Property or a B�neficiallnterr��t�n�arr�owe�.�s used in this �e�t�on 1�, "Interest�n the Property"means any 1ega1 or b�neficial interest in the PrQperty, including,but not limited�o,those benefcial interes�s transferred rn a bond for deed,contract for d�ed, insta.11ment sales contract or escraw agreement,�he intent of whic�i�s t�e transfer of title by�orrower at a fu�ure date to a p�.rc�aser. ��a11 or any part of the Property or any Inter�s��n the Property is sald or transferred(or if$orrow�r is�n�t a natural p�rson�.nd a beneficial interest in F�vrrvwer is sold or transf�rted}with�ut Lender's pria��e� conse�tA Lender may requir�imm�diate payment in fu�l af a��sums secured by this Security Instrument. However,this option sha11 not be exerc�sed by Lender if such exercise i�prohibited by Applic�.ble Law. NEBRASKA-Single Family-Fannie MaelFreddie Mac UNIF�RM INSTRUMENT WITH MERS Form 302$11�1 VMP C� VMPfiA[NE}[1342}.44 Wolters Kluwer Financial Services Page 12 of 97 q033G3�14665 4233 515 1Z17