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��14�755� reduction vvil�be treated as a partial prepayment w�thout any prepayment charg��whether or n�t a prepayment chaxge �s�ro�ided for under the Note�.Borrower's acceptance of any such refur�d made by direct payment to Borrovver wi11 canstitute a wai�er of any right of action Borrovver might ha�e arising out of such��ercharge. �15. N�ti�es.All natices given by Borrower or Lender in cannection with this Security Instrument mus� be in writing.Any notice to Barrower in connection with this Security Instrument shall be deemed to have been given to Borr�vver when mailed by frst class mail or when actually delivered to Borr�wer's notice address if sent by other means.Notice to any one Barravv�r sha�l constitute notice to all B�rrowers unless Applicable Lavv expressly requires otherwise. The n�tice address shall be the Proper�y Address unless Borrovver has designated a substitute notice address hy notice to Lender.Borrower shall promptly natify Lender af Borr�wer's change�f address.If Lender specifies a procedure for reparting Borrower's change of address,then Borrower shall�nly repor�a change of address through that specified procedure. Th�re may be only one designated notice address under this Security Instrument at any one tim�.Any notice to L�nder shali be gi�en by de�ivering it or by mailing it by first class mail to Lender's address sta.ted herein unless Lender has designated another address by natice to Borr�wer.Any not�ce in connection with this Security Instrument sha11 not be deemed t�have been given to Lender until actua�ly recei�ed by Lender.If any nntice required by this Security Instrument is also required under Applicable Law,the A��icable Law requirement will satisfy the cnrresponding requirement under this Security Instrument. 'I�. G��erning Law; Se�erabiiity; Rules �f��nstructi�n. This Security Instrument shall be governed by federal law and the law of the jurisdicti�n�n which the Praperty is located.A��rights and obligations contained in this Security Instrument ar� subject t�any requirements and 1�mitations of Appiicable Law.Applicable Law might explicitly or implicitly a11ow the parties to agree by contract ar it might be s��ent,but such silence shall not be construed as a prohibiti�n against agreement by contract. In the event that any provision or clause of this Security Instrument or the Note conflicts vvith Applicable Law, such conflict shall not af�e�t other pro�isions of this Security Instrument or the N�te wh�ch can be gi�en effect without the confli�ting provision. As used in this Security Instrument: (a}words of the masculine gender shall mean and include c�rresp�nding neuter w�rds or words af the feminine gender; �b}vvords in the singular shall mean and include the plural and vice versa; and(c}the word"may"�1Ve5 Sn�e C�iSCret1QI1 Wlt�101�t ally D�7�lgat1�11 t� take any actian. 'I 7. Borrower's Copy. Borr�wer shall be gi�en one copy�f the Note and of this Security Instrument. �I S. Transfer of the Pr�perty or a Beneficia� Interest in Borr�wer. As used in this Section 18, "Interest in the Property"means any legal or benef�cial interest in the Property,�nc�uding,but not limited to,those beneficial interests transferred in a bond for deed, c�ntract for deed, insta.liment sales c�ntract or escr�vv agreement,the intent of which is the transfer of title by B�rrower at a future date to a purchaser. If all ar any part of the Property or any Interest in the Proper�y is sold or transferred(�r if B�rrower is nat a natural persvn ar�d a beneficial interest in Borrawer is sold or transferred}withaut Lender's prior written consent,Lender may require immediate payment in fu11 of all sums secured by this Security Instrument. Hawever,this option shall not be exercised by Lender if such e�ercise is prohibited by Appl�cab�e Law. �378285009 NEgRASKA-Single Family-Fannie MaelFreddie Mac UNIF4RM INSTRUMENT ^^-� S�101 VMPC�3 �21�4 Walters Kluwer Fir�ancial Services 2014112114.2.�.2944-J2�'�40429Y initia : 2 of 17 * 1 7 85�09 0527 1123*