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2� 17�2�84 If the Loan is subject to a lavv which sets maximum loan charges,and that law is finai�y�nterpreted so that the interest ar other loan charges col�ected or ta be collected in connection wi�h the Loan exceed the permitted limits,then: �a}any such loan charge sha11 be reduced by the amount necessary to reduce�he charge to the permitted limit;and(b)any sums a�ready collected from Borro�ver which exceeded permitted limits wi11 be refunded to Borrower. Lender may choose to make this refund by reducing the principa�owed under the 1�Tote or by making a direct payment to Borrower.�f a refund reduces princ�pal,the reduction wi11 be treated as a partial prepayment vvithout any prepayment charge(whether or not a prepayment charge is pro�id�d for under the Note}. Borrower's acceptance of any such refund made by direct payment to Borrower wi1l constitute a wai�er of any right of action Borrower might ha�e arising out of such o�ercharge. 15. NotiGes.A11 notices given by Borrower ar Lender in connection�uith this Security Instrument must be in writing.Any notice to Bonower in connection with this Security Instrument shall be deemed to ha�e been gi�en to Borrower when maY�ed by f�rst class mail or when actualiy deli�ered to Borro�ver's notice address if sent by other means.l�otice to any one Borrower sha11 constitute notice to a11 Borrowers unless Applicable La�expressly reyuires otherwise.The notice address shall be the Properry Address uniess Borrower has designated a substitute natice address by notice to Lender. Barrower shall prarnptly notify Lender of Borrower's change of address. if Lender specifies a procedure for reporting Bona�uer's change of address,then Borro�ver sha11 only report a change of address through that speci�ed procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender sha�1 be given by delivering it or by mailing it by first class mai�to Lender's ad�ress stated herein unless Lender has designated another address by notice to Borrower. Any notice �n connection with this Security Instrument shail not be deemed to ha�e been given to Lender ur�til actually recei�ed by Lender. If any notice required by this Securify Instrument is a�so required under App�icable La�v,the Applicable Lativ reQuirement wi11 satisfy the corresponding requirement under this Security Instrument. 1 fi. Go�erningLaw; Se�erability;Rules of�onstruct�on.This Security Instrument shall be go�emed by federal law and the law of the jurisdiction in tivhich the Property is��cated.A�1 rights and ob�igations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Appticable Law might explicitly or implicitly a�iow the parties to agree by con�ract or it might be silent,but such s��ence shall not be construed as a prohibition against agreement by contrac�. In the e�ent tha#any provis�on or clause of this Security Instrument or the Note conflicts with App�icable Law,such conflict shali not affect other provisions of this Secur�ty Instrument or the Note which can be given effect without the conflicting pro�ision. As used in this Security Instrument: (a}words of the masculine gender sha11 mean and include corresponding neuter words or words of the feminine gender; �b}words in the singular shall mean and include the plural and vice�ersa;and(c�the word"may"gi�es sole discret�on��thout any obligation to take any action. 1�. Borrower's�opy.Borro�er sha11 be giWen one cop�of the No�e and of this Security Instrument. 1$. Transfer of the Property or a Beneficiallnt�rest�n Borrower.As used iu this Section 18, "Interest in the Praperty"means any�egal or beneficial interest in the Property,including,but not�imited to,those beneficial interests transferred in a bond for deed,contract for deed,installment sa.les contract or escro�v agreement,the intent of which is the transfer of title by Bonower at a future date to a purchaser. Yf all ar any part of#he Property or any Interest in�he Property is soid or transferred(ar if Barrower is not a natura�persan and a bene�cial interest in Borrower is sold or transferred}without Lender's prior wr�tten consent,Lender may require immediate payment in fu11 of a11 sums secured by this Secu.rity Instrument. However,this option shall not be exercised by Lender if such exercise is prohibited by App�icable Law. NEBRASKA-5ingle Fami�y-Fannie MaelFreddie Mac UNIF�RM INSTRUMENT WITN MERS Form 3028 1101 VMP� VMPfiA�NE){1342).44 Wolter�Kluwer Financial Services Page 12 of 1? qU3373499483 4�33 457 1217