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2� 1 ��8�39 <br /> If th�Laan is subject to a la�u�rhich sets maximum�oan char�es,and that la�r is fina�ly interpreted sa that <br /> the interest or other�oan charges cal��cted or to be callected in connection with the Loan�xceed the <br /> permitted limits,then: (a}any such loan charge sha11 be reduced by the amount necessary to re�uce the <br /> charge to the permitted limit;and(b}any sums already collected frorn Borrower which exceeded permit�ed <br /> lim�ts will be refunde�l to Borrower. Lender may choose to make this refund by reducing the principai owed <br /> under the Note ar by making a direct payment to Bonawer. If a refund reduces principal,the reduction wi11 <br /> be treated as a partial prepayment withou�any prepayment charge(wh�ther or nat a pr�payment charg�is <br /> pravided for und�r the 1�Tote}.Borrower's acc�ptance of any such refund made by direct payment to <br /> Borrower�vill canstitute a wai�er of any right of action Borraw�r might have arising out af such averchar�e. <br /> �15. N�ti�es.A1�notices given by Borrawer or Lender in cannection with this Security Instrument must be in <br /> �vriting.Any notice t�Borrower ia connectian with this Security Instrument shall be deemed to hav�been <br /> given to Borrower when mailed by first class mail or when actually delivered to BQrrower's nfltice address <br /> if sent by other means.Natice to any ane Borrawer sha11�onstitute notice to all Borrowers uniess <br /> Applieable Law expressly requires otherwise. The notice address sha11 be the Proper�y Address unless <br /> Borr�wer has des�gnated a substitute notice a�ldress by notice to Lender.�orrower shail promptly n�tify <br /> Lender of�orrower's Ghange af address. If Lender specifies a procedure for reparting Borro�ver's change <br /> of address,then Borrower shail anly report a change of address through that specified procedure. <br /> 'There may�e anly one designated notice address under this Securit�Instrument at an�one time.Any natice <br /> to Lender�ha11 be gi�en by delivering it or by mai�ing it by first c�ass mail to Lender's address stated her��n <br /> unless Lender has designated another address by notice ta Borrower.Any not�ce in connection with this <br /> �ecurity Instrument sha11 not be deemed to ha�e been gi�en ta Lend�r until actual�y recei�ed by Lender.If <br /> any notice required by this Security�nstrument is also r�quired under App�i�able Law,the Applicable Law <br /> requirement�ui11 satisfy the carresponding re�uirement under this Security Instrum�nt. <br /> 'I�. �o�erningLaw; �everabiiity;Rules of�onstruction.This Security Instrument shall be go�erned by <br /> fed�rai�aw and the law of the jurisdiction in�vh�ch the Froperty is located.All rights and abligations <br /> contained in this Security Instrument are sub�ect to any re�uirements and�imitatio�s of Applicable Law. <br /> Applica�le Law might explicitly or implicitl�a11ow the parties to agree by contract or it might be silent,laut <br /> such silence sha11 not be cons�rued as a prohibition against agreement by coritract. In the e�ent that any <br /> provision or clause of this Security InStrument or the Note conflicts with Applicable Law, such eanflict sha11 <br /> not affec�other pravisions of th�s Security Instrument or the Note which can be given effect wi�hout the <br /> eonflicting provision. <br /> As used in this Security�nstrument; �a�words of the masculine gender shall rnean and inclu�ie carresponding <br /> neuter words ar wards of the feminine gender; �b}words�n the singutar sha�1 mean and include the plural <br /> and vice�ersa;and(c}the wnrd"may"gi�es sale discretion with�u�any obligation to take any action. <br /> 17. Bvrr�wer's Copy.Borrawer sha11 be g��en nne copy of th�Note and af this Security Instrument, <br /> �18. Transfer of ths Prop�rtyor a Beneficiallnterest in�orro►nrer.As used in this Section�S, "�nterest in <br /> the Froperty"means any Iegal or beneficial interest in the Praperty, including,but nat Iimited to,thase <br /> b�neficial interests transferred in a bond for dee�,con�rac�for deed, installment sales contract or escrow <br /> agreement,the intent of which is the transfer af title by Boarro�uer at a future date t�a purchaser. <br /> If ail or any part of the Praperty or any Interest in t�e Property is soid or transferred(or if Borrower is nat a <br /> natura�persan and a beneficial interest in Borro�er is sQld or transferred}without Lender's prior written <br /> consent,Lender may require immediate payment in fu�l of a�t sums�ecured by this Security Ias�rument. <br /> However,this option shal�nat be exercised by Lender if such ex�rcise is prohibited by Applicabl�Law, <br /> NEORASKA�ir�gle Famx�y-Fannie MaelFreddie Mac�NIFQRM INSTRUMENT W�TN MERS Farm 34Z8 1I01 <br /> VMP� VMPfiA�NE}{13D2}.44 <br /> Wolters Kluwer Financial Services Page 12 of 17 <br /> q43365595817 �233 3�� 1217 <br />