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��15�1SS1 reduction v�rili be treated as a partial prepayment v�ithout arzy prepayment char�e �u��iether or not a prepa�ment charge is pro�ided for under the Nate}. Borrower's acceptance of any �u�h r�fund made by dire�t payment to Borro�ver�ill canstitute a wai�er�f any right of acti�r�Borro�rer might have aris�ng out of such��e rcharge. 'I 5. N oti�es. A.�I notices given by�arrav�er or Lender in c�nne�tion with this Security Instrum�nt must be in v�riting.Any natice to Borrov�er in connection with this Security Instrument sha11 b�deemed ta have laeen given to Borrflv�er when mailed�y�irst class mail or when actual�y delivered to Borrav�er's notice address if sent by other means.NvtiCe to ar�y one�orrower�ha11 con�titute noti�e to all�orra�ers unless Applicable La�v expr�ssly requires otherwise. The notice address shal�be the Property Address uniess Borrov�er has designated a substitute notice address by noti�e ta Lender.Borro�ver sha11 promptly nat�fy Lender�f Borrov�er's change of address. If Lender sp��ifies a procedure for reparting I3orrower's �hange ofaddress,then�orrav�er sha11�nly report a change of address through that speci�'ied procedur�. There may be only one designated n�tic� addr�ss under this Securit�Inst�ument at any�ne time.Any noti�e ta Lender sha11 be given by deliverin�it or by mailing it b�first class mai�ta Lender's address sta.ted h�rein unless L1ender has designated another addres�lay noti�e to Borrower.Any notice ir�con.r�ection with this Securit�Instrument sha11 not be deemed t�ha�e been�iv�n to Lender until actually r�cei�ed by Lender. If any notice required by this S�curity Instrument is a.lso r�quired under Applicable Lav�,the �pplicable La�v requirement wi11 satisfy the�orresponding requirement under this Secur�ty Instrument. 'I�. �overning Law; Severab�l�t�; Rul�s of Car��tructi�n. This Security Instrument sha11 be go�erned by federal Iaw and the law of the jurisdiction in v�hich the Prapert�is located.A11 ri�hts and ob�igat�ons conta,ined in this Security In�trument are subj ect t�any requirements and limita.tions of Applicahle Lav�r.Applicable Lav�might e�pli�itly flr imp�i�it�y a��ow th�parties to agre�by c�ntra�t or it might be silent,�ut such sil�n�e shall not be constru�d as a prahibition against agreement by contract. In the event that any pr�vision ar clause ofthis Security Instrument or the Note conflicts v�rith Applicable Law, such conflict sha11 not a�fect other provisions of this Se�urit�Instrument or the Note v�hich can be g�ven effe�t without the conflicting�arovision.. As used in this Security Instrument: ta}vvords of the masculine gender sha�I mean ar�d inc�ude corresponding neuter words or�vards�f the feminine gender; (b}words in the s�ngular sha11 mean and include the plural and vi�e v�rsa;and�c}the word"may"gives sole�iscretion�vithout any obligation to ta�e any a�ti on. 'I l. Borr�wer's �apy. �orrov�er sha11 be given one copy of the Note and of this Security Instrument. 'I 8. Transfer�f the Property ar a Ben�ficial Inter�st in Borrov�er. As used in this Section ��, , "Interest in the Propert�"means any lega�ar beneficial interest in the Property,includ.ing,but not lim�ted t�,those bene�icia�interests transferred in a b�nd for deed, contract for deed,installment sales contra�t or es�row a�reement,the intent of�vhich is t�e transfer of title�y Borrower at a future date ta a purchas�r. If a11 or any pa,rt of th� Property ar any Interest in t�he Property is sold�r transferr�d (or if Borrov�rer is not a natural person and a beneficial interest in Eorrov�er is sold or transferred}without Lender's prior v�ritten�onsent,Lender may require immediate payment in fu11 of all �ums secured by this Security Instrum�nt. Hflwever,this option sha11 not be exercised by L�nder if such�x�rcise is pr�hibited�y App�icable La�v. HCFG-00358 NEBR►45KA-5tngle Famify-Fannie MaelFreddie Mac 11NIF�RM INSTRUMENT Form 30281/01 VMP� 08114 Wolters Klu►►ver Finan�iak Ser�iaes 2Q15�3184.1.0.2815-J2014'k D28Y Page 12 af 17 * 797 0*