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2� 1 ��2323 reduction will be treated as a partial prepaym�nt w�thaut any pregayment charge twh�ther or not a prepayment�harge is provided for under the Note�. Borrawer's acceptance of a�y su�h refund made by direct payment tv Borrow�r wiil constitute a wai�er�f any right of act�vn B�rr�wer might ha�e arising aut of su�h��ercharge. 'l5. N�t��s.All notic�s gi��n by Borr�wer or Lender in�anne�ti�n with this Security Instrument must be in writi.�ng.Any nati�e to Borrower in cannection with this Security Instn�ment sha11 b�deemed ta have heen given to Borrawer when maited by f rst class rnail ar when actually delivered to Borrower's notiCe address if sent by�th�r meatzs.Natice to any vne Borr�wer shall canstitute nvtice t�a1�Borrowers un�ess Appi�cah�e Law expressly requires�therwis�, The nat�ce address shal�be the Property Address unless Borrower has designated a substitute notice address by not�ce to Lender.Barrow�r sha�l promptly notify Lender of Borr�wer's�han�e a�address.If Lender specifies a pracedure for rep�rting Borrower's chang�of address,then Borrawer sha�l Qnty report a cha�n�e af address through t�at specified pr��edure. There may be only one designated notice address under this Security Instrument at any�ne time.Any notice t�Lender shall be given hy de��ertng it a�by mailing it by�rst c�ass ma�i t�Lend�r's address stated herein unless L�nder has des�gmate�another address by n�tice to Borrawer.Any notice in connection with this Se�urity Instrument�hall nat be deem�d ta have be�n�i�en t�Lender until actua��y recei�ed by Lender. If any n�tice required by this Security Instrumer�t is a�so required un�er App�icable Law,the Applicab�e La�v requirement will satisfy the carrespandin�requirement under this Security Instrument. 'f fi. �o�ernin L�w; S�ver�b��ty; Rules of Constru�t�on. Th�s Se�urity Instrurnent shall be � � . . . . . . , . gaverned by federal Iaw and the Iaw of the�ur�sd�ct�on�n wh�ch the Proper�y is �ocated.A��rights and �b1� ations contained in thi s Security Instrument are subj ect to any requirem�nts and 1 imitati�ns�f ' � � Applieable Law.Applicable Law r�i�ht explicitiy or implicitly allow the parties tc��gree by contract or ' � it might be silent,but such silence sha�l not be c�nstrued as a prohibitian against agreement by contract. ' In the e��nt that an ro�ision or clause afthis S��uri Instrum�nt or the Note conflicts vvith Applieab�e � Y P �' , . Law, such c�nflict sha�l not affect other pr��sions�f this Secur�ty Instrument or the Note whi�h can be ' gi�en effect without the confli�ting provisivn. As used in this 5ecurity Instrument:�a}words of the masculine gender sha�l mean and include c�rrespanding neuter vvords or words�f the feminine g�nd�r; [b}vvords in the singular sha�l mean and . in�lude the plura�and�ice�ersa;and(c}the wvrd"mayff gi�es sale discretion w�thout any obl�gation to =. � take any a�tion. '17. Borrower's Copy. Bvrrower shall be$��en one copy vf the Note ar�d of this Security Instru�ent. '!8, Transfef�f the Property or a Benefi��al Interest in Borrower. As used ix�this Section �S, "Int�rest in the Property"means any lega��r beneficia�interest in th�Property,lt]C�L�C�lI1�,bUt ri�t�1ri11f�C� to,thos�beneficial interests transferred�n a hvnd fvr deed,contract for d�ed, installment sa�es�ontract ar escrow agreement,the intent of whi�h is the tr�nsfer of title by Borravwer at a futur�date to a purchaser. If all or any part af the Property or any Interest in the Pr�perty is sold or transferred�or if�orrower is nnt a natural person and a benefic�al �nterest�n Bornower is sold or transferred}vvithout Lender's prior vWritten can5ent,Lender may require immediate payment�full�f all sums se�ur�d by this Security Instrument.Howe�er,this option shall not be ex�rcised by Lender�f such exerc�se is prohibited by Appli�able Law. i i+4fi�'r1405� 11115 VMP� ' Wblters Kluwer Financia�Servi�ea 201BD40715,1.0.3t 12-J20151��4Y Initials: P�pe 1�vf 9� .