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� 201207541 reduction will be treated as a partial prepayment without any prepayment charge(whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action 6orrower m ight have arising out of such overcharge. 15. NotiCes. All notices given by Borroweror Lender in connection with this Security Instrument must he in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower s notice address if sent by othcr means.Notice to any one Bormwer shal l constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower s change of address. If Lender specifies a procedure for reporting Borrower s change of aJdress,then Borrower shal I only report a change of address through that specified procedure. There may be only one designated 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 to Lender's address stated herein unless L.ender has designated another address by notice to Borrowec Any notice in connection with this Security Instrument shall not be deemed[o have been given [o Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law,the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of ConstruCtlon. This Security Instrument shall be governed by federal law and the law ofthe jurisdiction in which the Property is located. All rights and obligations contained in this Security Instrument are su6ject to any requirements and limitalions of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent,but such silence shall not be construed as a prohibition against agreement by contract. In the evenl that any provision or clause of this Securiry Instrument or the Note conflicts with Appl icable Law, such conflict shall not affect other provisions of this Security Instrument nr the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender sl�all 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 action. 77. Borrower'S Copy. Borrower shall be given one copy ofthe 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 Property"means any legal or beneficial interest in the Property, including,but not limited to,those beneficial interests transferred in a bond for deed, contract for deed, installment sales con[ract or escrow agreement,the intent ofwhich is the transfer oftitle by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the PropeRy is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred)without Lender's prior written consent, Lender may require immediate payment in ftdl of all sums secured by this Security Instrument However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. � n,� J ' ,soass�ooi NEBRASKA-Single Famlly-Fannie MaelFredEie Mac UNIFORM INSTftUMENT 1� Porm 3W 61/01 VMPO 03�11 lM1bl�ets Kluwer Financial Services 20120829G.0.0.0.4002-J2011 W26Y Inilials�. Page 12 of 1% IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII��I�i,1�iI�IIII�IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII