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201209385 reduction will be treated as a partial prepayment withont any prepayment chargc (whethcr or not a prepayment charge is provided for under the Note). Borrowcr's acceptance of any such refund made by direct payment to Borroc�er will constitute a waiver of any right of action Bonower might haue azising out of such overcharge. 15. NotiCes. All notices given by Bono«�er or Lender in connection with this Security Instrument must be in«�riting.Any notice to Borrower in conncction with this Security Instrument shall be deemed to l�ace been given to Borrower when mailed by firsi class mail or when actually delivered to Borrower's notice address if sent by other means.Norice to any one Borrower shall constitute nolice to all Borrowers unless Applicable Law cxpressly requires othern�se. The notice address shall be the Property Address unlcss Bonoccer has designated a suhstitute notice address by nouce to Lender. Borrower shall promptly norify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's cha�ige of address,then Borrower shall only repon a change of address through that specified procedwe. There ma} 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 I.cnder has designated another address by noUce to Borrower.Any notice in connection with this Secunry Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security lnstrument 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 Construction. This Securin� Instnunent shall be govemed by federal la�v and the law of the jurisdiction in which the Properry is located. All rights and obligations contained in this Secunry Instrument are subject to any requirements and limitations of Applicable Law.Applicable Law might explieitly 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 dic event that any provision or clause of this SecuriTy Instrument or the Note conflicts with Applicable La��, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As uscd in this Security Instnunent: (a)words of the masculine gender shall mean and include conesponding ncuter words or words of the feminine gender, (b)�i�ords in the singular shall mean and include the plural and vice versa;and (c)thc word"may" gives sole discretion without any obligation to take any action. 77. BOrrower'S Copy. Borro�ver shall 6e given one copy ofthe Notc and ofthis Securiry Instnunent. 18. Transfer of the Property or a Beneficial Interest in Borrowec As uscd in this Section 18, "Interest in the Property"means any legal or beneficial interest in the Property,including,but not 1 imited to,those heneficial interests transfened in a bond for deed, contract for deed, installment sales contract or escrow agreement,the intent of which is the transfer oftitle by Borro«�er at a future date to a purchaser. If all or any part of the ProperR� or any Interest in the Property is sold or transferrcd (or if Borrower is not a naturnl person and a beneficial intcrest in Borrower is sold or transferred)without Lender's prior written consent, Lender may require immcdiate payment in full of all sums secured by this Security Instrument. However,this option shall not be exercised by Lender if such exercise is prohibited by Applicable La��. HCFGA0358 NEBRASKA-Single Family-Fannie MaelFreddie Mac UNIFORM INSTRUMENT Form 3028 1101 VMP� 05�12 Wokers Kluwer Financial5ervices 20t2103t4.1.12338-J20120528V Page 12 of 16 I IIII II IIIII IIIII IIIII l�l I��I��I��II��I nlll IIII nll