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Seetinn 4.1 <br />Governing Law <br />200204303 <br />This instrument shall be governed by and interpreted in accordance with the laws of the State of <br />Nebraska. Notwithstanding any provision herein, in the Note or in any other instrument which <br />secures or refers to the Note contained, the total liability for payments in the nature of interest <br />hereunder and thereunder shall not exceed interest at the maximum rate permitted by the laws of <br />the State of Nebraska on the indebtedness secured hereby, if any, and any amounts paid in excess <br />of said maximum rate shall be refunded to Mortgagor. This instrument shall be construed in <br />accordance with its intent and with the fair meaning of its provisions, and without regard to any <br />presumption or other rule of interpretation requiring construction thereof against the party which <br />caused the same to be drafted. <br />IN TESTIMONY WHEREOF, the said Mortgagor has caused these presents to be executed <br />in its corporate -name by its President and its Secretary and its corporate seal to be hereunto <br />affixed this Ill -1 day of April, 2002. <br />ST. PAUL'S LUT N CHURCH <br />By: <br />/ ohn Douglas Russell, President <br />By: <br />x y ecretary <br />Edward E. Meedel <br />14 <br />