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2� 17�2�8� If the Loan is subje�t fo a law which sets maximum�oan charges,and#hat�aw is fna�ly interpreted so that the interes�or other€oan ch�rges cal(ected or to be callected in connectian with the Laan exc�ed the permitted limits,then:{a}any such foan charge shall be reduced by�he amount ner.�ssary to reduce�he charge#o the permitted limit;and�b}any sums a�ready callect�d�ram Bo�rvwer which exceeded perm�tted �imifs wifl he re�unded to gorroVrer.Let�der may choose�o make this refur�d by reducing the principal owed under the Nv�e ar by making a direct payment to Borrower.�f a refund reduces principal,the reduc#ion►ritill be trea#ed as a partiai prepayment without any prepayment cha�ge�wheth�r or nat a prepayment charge is pro�ided for under the Note}. Bor�awer's acceptance af any such refund made by direct paymen#tv Bo�ower wifl cons�i�ute a wai�er af any right of act�on Borrower might haWe arising out of such a�ercharge. '��. Notices.A[�notices g��en by Borrow�r or Lender in conne�tian with this Se�u�ity Instrument mus� be in wri�ing.Any nat�ce to Barr��ver in connecti�n with this Security(nstrument shal�be deemed to have been giWen tv Bvrrawer when mailed by f�rst class ma��or when actuafly delivered to Barrav�rer's notic� address if sent by vther means.Nvti�e to any ane Borrawer shall const�tut�n�tice to a!E Barrvw�rs unless Applicabf�Law express�y requires v#herwi�e.The nvtice address shall be the Proper�y Address unless Borrvwer has d�signa�ed a substitute nvtice address by notice to Lender.�3vrrvwe�sha�f promptly notify Lende�c�f Borrower's change of address.�f Lender specifres a procedur�for report�rtg Borro►�ver's change af address,then Borrowe�shall aniy repvrt a change❑f address fhr�ugh that sp�c�fed pro�edure.There may be❑nly one designated notice addr�ss unde�#his Securit}r lnstrument at any one tim�.Any n�tice ta Lender sha11 be gi�en by deliWering it or by mailing it by first class mail tv Lender's address stated her�in unless Lender has designafed anoth�r address by notice tQ BorroVre�.Any nvtice in�vnnectian with this Security[nstrument shal[not be deemed to ha�e been gi�en to L�nder unti�actually�ecei�ed by Lender.If any notice requ�red by th€s Secu�ity lnstrument is als❑requ�red under Appl�cable Lav��,th� Applicabfe Laur requirement wi[I satisfy the ctirrespo��ding requirement under this Sec��rity Instrument. '�S. �oWe��ing Law; Se�erability; Rutes af Cnnstruction. This Secur�ty �r�strument sha[I be governed by fed�ral law and#he(aw of�he�urisdictian in which the Praper�y is locat�d.Ail rights and obligations cantained in this Se�urity In��ument are sub�e�t fv any �-equirements and �imitat�vns vf Applicahle Law.Applicable La►rv might�xpiici#!y o�imp�icitly at�vw the pa�ties tv agree by contrac#ar ii might be s�lent,�ut such sil�nce shal�not be canst�ued as a proh�bition against agreement by contract. �n�he�v�n�that any provision or clause of ti�is 5ecuri�y Instrurnent or the Note cor�flic�s with Applicable Law,such conflict shall not affect ather proW�sions❑'�th�s Secu�ity�nst�Umen�❑r the Note which can be given effect withvut the conflicting p�oWisi�n. As used in this Security �nstrumen�: �a}words af the mascu�in� gender shall rnean and inc[ude corresponding neuter�rvvrds vr�ards of fhe�eminine gender;�b}words in the singula�shall mean and inciude the pIura!and vice versa;and{c}the w�rd"may"gi�es sofe discretion without any ob�igatio��t❑ take any acfion. 77. gorro►�re�'s Gopy.BorrQ►�re�shal�be gi�e��one copy af the No�e and v�this 5ecurity�nstrumen�. 'i 8. Transfer of the Pr�per�y or a Bene�cia��nteres�in Borrower.As us�d in this Section ��, "Int�rest in the Property"means any[ega[or benefi�ial interes�in the Praper�y,including,but not li��ited to,�hvse benefic�al interests transferred in a bond for deed,con�rac�f�r deed,ins�al�ment saies contra�t nr escrow agreemen#,the�nten#v�which is the transfer oftitle by Borrv►�rer at a�utur�d��e�a a pu�chaser. ��all or any pa�t af the P�aperty or any�nterest in fhe Praper�y�s sold o�transferred�vr if Borfa�ver is nat a natu�a!person and a beneficial interest in Barrnvver is svld flr trans�erred3�vithnut Lende�'s pr�ar written consent,Lender rnay require irnmediafe payment in full�f a�l sums secur�d by this Se�urity�nsfrument. Hawever,fhis aptivn shall nvt be exercis�d by Lender if such exercise is proh�bited by App�icable Lat�v. [f Lender exercis�s this vptian,Lender shal�giv�Borrower notice o�acc�lerativn.The notice shail prvvide a per€od of not less fhan 3�days fram the date the natice is gi�en in accvrdance with Section �5 vuithin wh€ch Bo�ower must pay a��sums se�ured by this Security�ns#rument.If B�rrower fails to pay�hes�sums prior#o the expiration nf this per�ad,Lender may in�roke any rernedies perm�fted by t��is Secu�ity Insfrumen�witl�vut�urth�r na��.e ar demand on Borrower. �9. �vrrower's Right tv Reinstate Afte�Ac�e[era�ian. If Barrovrer me�ts certain �vnditions, Borravver shall ha�e the right to have en�vrc�rrient of this 5ecur�ty lnstrumenf discanfinued at any time prior tv the ear�iest of:�a}fi�e days be�ore�ale o'�the Praper#y pursuant tv any pawe�vf sa[e cvntained in this Security instrument; �b}such othe�period as Appf�cable Lav�might specify for the termination af Barrower's right to reinstate; or tc}en�ry of a�udgmen�enfvrcing ihis 5ecurity Instrument.Those cnnditians are that Borrov►rer: �a}pays Lender ali sums►�vhich then wvuld be due under this 5ecurity �ns�rument and the hlate as i�na a�cele�at€an had occurred;�b}�ures any default of any atf�e�covenants ar agreements;�c}pays all expenses incurred in enforcing this Secur�ty Instrument,includ�ng,but not limifed ta,�easonable a�torneys'fees,prvperty inspectivn and�a[uafian�ees,and othe��ees incurred for the purpose o�pratecting Lender's interest in the Praperty and righ#s under#his Securiiy instrument;and �d}tak�s such ac�ivn as Lender may reasvnably require#�assure that Lender's interest in the Property and rights under this�ecurity Instrument, and Borrower's obligat�an tv pay the sums secured by this Security Ins#rumet�t,shall cflntinue unchanged.Ler�dermay require��at Borrowerpay such reinstatemer�t sums and expenses in vne ar more vf the follow�ng farms,as s�lected by Lender:�a}cash;�b}money arder;��certi�ied check,bank check,t�easur�r's check or cashier's check,prov�ded any such check is drawn upon an institution�rhase depos�ts a�e insured by a federal agency,€nstrumenta�ity or entity;vr �d}E�ecfro�ic Fu�ds Transfer.Upon reinstatement by Borrower,this 5ecuri�y Instnrmen#and obligat��ns secu�ed hereby shall remain�ul[y effecti�re as if no acceferation had occurred. Hawe�r��, th�s righ��❑ reinstate shal�nat app�y in th�case of acc�leration under Sect�on�8. 2Q. Sa1e vf Note;Change o�Loan Servi�er;Notice o��r�e�rance.Tt3e Not�or a partia(�nterest in the Note(tagether with this Secu�ity[ns�rum�nf}Gan be sofd one or mo�e t�mes withou�p�ivr nvtice �o Sorrower.A sale might resul�in a change�n the entify�knv��rn as the"Laan 5ervi�er"}fhat cai[ects NEBRASKA--Single Fam�Ey--Fannie IV#aelFreddie fNac L1NiFORM INSTRU#'�lENT Fvrm 30�8 1�a� El1�e Mae,�nc- Page 8 of�� NEUaEED a415 NEU[]EED(CLS] � .... E � �