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201109037 If the Loan is subj ect to a Iaw which sets ma.�imum loan chazges, and that Iaw is finally inteipreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted Iimits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any snms akeady collected from Borrower which exceeded permitted limits wi11 be refunded to Boxrower. Lender ma.q choose to make this refund by reducing the principal owed nnder the Note or by making a direct payment to Borrower. If a refund redvices principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for vnder the Note). Boaower's acceptance of any such refund made by direct payment to Bozrower will constittrte a waiver of any right of action Boaower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in. connection with this Security Instrament must be in writing. Any notice to Borrower in connection with this Security Iustrument shall be deemed to ba.ve been given to Borrower when mailed by fixst class mail or when actnally delivered to Borrower's notice address if sent by other means. Notice to any one Boaower shall constitute notice to aIl Borrowers unless Applic�able Law expressly requires otherwise. The notice address sha11 be the Property Address vnless Boao�ver has designated a substitute noiice address by notice to Lender. Borrower sha11 promptly notify Lender of Borrower's change of address. If Lemder specifies a procedure for reporting Boaower's change of address, then Bosower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Secnrity Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to I,snder's address stated herein nnless Lender has designated another address by notice to Boaower. Any notice in connection �vith this Secmity Inshument sha.11 not be deemed to have been given to Lender unril actually received by Lender. If any notice required by this Security Instrument is aLso required under Applicable Law, the Applicable Law reqnirement will satisfy the corresponding reqnirement under this Secarity Instrvment� 16. GoverningLaw; Severability;Rules of Construction.This Security Instrument shall be governed by federal law and the la�v of the jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrament are subject to any requirements and limitations of Applicable Law. Applicable Law might esplicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a pro}ubition against agreement by contract In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict sha11 not affect other provisions of this Secnrity Instrument or the Note which can be given effect without the contlicting provision As used in this Security Instrument: (a) words of the mascnline gender shall mean and iaclude coa�esponding neuter words or words of the feminine gender, (b) words in the singular shall mean and include the plmal. and vice versa; and (c) the word "may" gives sole discretion without any obligation to ta.ke any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Tnstrument 18. Transfer of the Property or a Beneficiallnterest in Sorrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, includiBg, but nat Iimited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreemen� .the intent of which is the transfer of title by Boaower at a future date to a purchaser. If all or any part of the Properiy or any Interest in the Property is sold or transferred (or if Borrower is not a nat�ual person and a beneficial interest in Boaower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Securitty Instrument However, this option shall not be exercised by Lender if snch exercise is prohibited by Applicable Law. r-� �a,ro� NE6RASKASingla Farnity-Fennle MaelFieddia Mao UNIFORM MSTRUMEM WITH MERS v �� N � (�� VMP � Wattais IOUwer' Flnanclel Satvices Pa9e 12 of t7 ��Illll�ll IIl Il 11 IIU �� III I �I I II I I I ll Il I III