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201200339 reduction will be treated as a partial prepayment withoat any prepayment charge(whether or not a prepaymenl charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitu[e a waivar of any right of action Borrower might have arising ou[of such overcharge. 15. NotlCes. All notices given by Borrower or Lender in connection with[his Security Instrumen[must b� in writing. Any notice to Borrower in connection with this Security [nstrumen[shall be deemed tn have been given to Borrower when mailed by first class mail or when actually delivzred lo Borrower's notice address ifsent by other means.Notice to any one Borrower shall constitute notice ro all Rorrowers unless Appiicable Law expressly requires otherwise. The nulicc address shall be the Property Address unless Rorrower has designated a substitute notice address by notice to I.ender. Borrower shall promptly notify Lender of Rorrower's change of address. I f Lender specifies a procedure for reporting Borrower's change of address,then Borrower shall only report a change of address through that speci(icd procedure. There may be only one dcsignated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail Io Lender's address stated herein unless Lender has designated another address by notice to BoiTOwec Any notice in connection with this Security Instrument shall not 6e deemed to have been given to Lender until acwally received by Lender. If any notice required by this Security Instrument is also required under Applicable Law,the Applicable Law reyuiremci�t will satisfy the corcesponding requirement under this SecuriTy Instrumcnt. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall bc governed by tederal law and �he law of[hejurisdiction in wl�ich the Properry is located. All rights and obligations contained in this Security Instrument are subject to ai�y rcquirements and limitations of Applicable Law.Applicable Law might expliciNy or implicidy allow the parties lo a�ree by contract or it might be silent, but such silencz shall not be construed as a prohibition against agreement by contract. In the event that any provision or clause of this Security Instrument or the NoCe conflic[s with Applicable Law,such conflict shall not affect other provisions of this SecuriTy Instroment or the Note which can be given effec[without the conflicting provision. As used in this Sccurity Instrument (a) words of the masculine gender shall mean and include corresponding neuter words or words oFthe feminine gender;(b)words in the singular shall mean and include the plural and vice versa;and(c)the word"may"gives sole discretion without any obligation to take any aclion. 17. Borrower's Copy. Bormwer shall be given one copy of thc Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Proper[y"means any leeal or beneficial interest in the Property,including, bttt not limi[ed to, those beneficial interests transferred in a bond for deed, contract for deed, ins[sllment sales contract or escrow agreement,the inteni of��hich is the transfer oftitle by Borrower at a fu[urc date to a purchaser. If xll or any part of the Property or any Interest in the Property is sold or transYerred(or if Borrower is not a nxtural person and a beneficial interest in Qorrower is sold or transferred)without Lender's prior written conscnG Lender may reyuirc immediate payment in full ofall sums secured by this Sewrity Instnttnent However,this option shall not be exercised by Lender if such exercise is prohibitecl by Applicable Law. ,ssa��s,� NEBRASKA-SingleFamily-FanmeMaelFredtl�xMacUWFORMINSTNUMENT .4�j� Porm3028!I01 �1 09I1C VMFJ �yy��J Wolters Kluwer Fmencisl Servmas 2 0111 2 1 5 4 a 00 C0a2J201102oay Inilials '"�'- Page 12 ot 1% III 19 06615]9N23' IIIIIIIIIIIIIIIIIIIIIIIIIIII IIII��II�IIIIIIIIIIIIIIIII IIIIIIIIIIIIIIIIIIIIIIIIII III