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XXXXXX2945 <br />Applicable Law <br />Lot Six (6) in Block Thirty (30) in Russel Wheeler's Addition to the City <br />of Grand Island, Hall County, Nebraska. <br />HCFG -00410 100011300219442976 <br />Applicable Law Disclosure <br />I� <br />201700871 <br />All interest, fees and other amounts charged or accruing with regard to this loan which are considered "interest" under <br />Section 85 of the National Bank Act (12 U.S.C. §85) as implemented by 12 C.F.R. §7.4001(a), as amended from time <br />to time, shall be governed by and interpreted under the usury and other applicable laws of South Dakota. In all other <br />respects, the loan, as well as the rights, remedies, and duties of the Note Holder and the Borrower(s), shall be governed <br />and interpreted by federal law relating and applicable to national banks and, to the extent not preempted by federal law, by <br />applicable state and local laws of the state where the real estate securing the loan is located. <br />2017013115.3.2.3509- J20160721Y Page 1 oft <br />u■ <br />142154117212 <br />psi <br />