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2� 1 ��2595 reduction will be treated as a p��rtiai prepayment withUut any prepayment char�;e�whether or not a prepaymej�t��arge is pro�id�d tor under the Note}.8orrower's acceptaY�ce of a�1y�u�l�refuild made by direct paymer�t tn Borraw�r will�oiistitute a wai�er nf arly ri�]�t of action Sorrower rni��t ha�e arising out af such o�erc��arge. '�5.IV�tICes.All nati�es gi�en by Borrower or Leiic�er in cannection�it��this Security Instrument must be in writin�.Any natice tn B�rrt�wer iTl�onlle�tin�i with this Security Instrument shall be deemed to have beetl gi�en to Borrawer when rnai�ed by first c�ass maii nr w��e�z actually deli�er�d to Borrower's ilotice address if sei�t by oth�r rnea��s.Nntice to a�1y o��e Bnrrower shal I constirute i�otice to all gorrowers unles�Applicable Law expressly requires oth�rwise.Th�notice address shall be the Property Address unless Barrower has desi�nated a subs�itute i7atice address by��fltice ta Lender.Borrower shall promptly nntify Lend�r of'Borrawer's change at'address.I f Lender specif es a prncedure for reportin�Qc�rrower's change af address,then Snrrower shafl nnly repart a change of address through that sp�citied procedure. There may be nr�ly one desi�nated nnt�c�address under this 5ecurity I��strum�nt at any one time.Any nntice t�Lender shall he�i�en by deli�eriz��it�r by mailin�;it by first c�ass mail�o Lender's address stated herein unless Lender has designated annther address by notice ta 6orrawer.Any natice in connectian with this 5ecurity Instrument shall not be deemed ta ha�e been gi��n to Lerider until actually re�eiWed by Lender.lf any�lotice required by tl�is Security lr�strument is als❑r�quired under Appli�able Law,th� Applicable Law requiremerlt will satisfy t�l�correspnr�d'€ng require��rit u�ider this S�curity Instru�r�erlt. '�6.Ga�erning Law; Se�s�-abili�y; Rules of Constructian.This Security Instrument shall be �U�erned by federal law and the law of the�t�risc�ictian in vvhich the Praperty is lo�ated.AlI rights atld ob�i�;ations cantained i�z t�iis Security instruT�ze;��are sub�ect to any re�uirer�-�el7ts and limitations c�t� Appiicable Law.Applicablc;Law l�light�xplicitly�7r implicit�y a�low t17e partics ta agree by�oi�tract c�r it r��ight be silent,but suc��sile�3ce shal�not be cc�nstrued as a prohi�itinn a�,ai��st a�reement by contract. In the e�ent that any pro�i�int�or clause t�f tliis Security lnstrument�r the Note conflicts with Applicab�� Law,such conflict shall not affect ather provisians of this Security�nstrument ar the Note which can be �i�en effe�t withaut the can�lictir��;pravisian. A�used i��this Security Instrument:�a}word5 of tlle masculine�ender shall�r�ea��and include �orresponding neuter words or words ot the femininc:��:nder;(b}words in the sin�,u�ar shall mean and i�iclude t�Ze plural and�ice�ei-s�;a:ld(c}the wnrd"t�iay"�;i�es�n�e discret�n»witl�oiit ar�y nbli�;atiorz to talce any actian. 17.Bor�'vwer's Copy.Sorrower shall b�gi�en one copy c�f th�Note and o�`this Se�urity Instrument. '�8.Transfer of the Pr�perty�r a BenefiGial Interest in Barrflwer.As used in t�lis Sectio3� 18, "lnterest in the Property"means any le��l ar vene�icial interest in the Property,includin�,but not limited to,those beneficial interests tra3�sferred ii�a bond for deed,cnntract far deed,installment sales contrac� or�scrnw a�reemenk,the intent of which is the transfer of title by Barrowc:r at a future cia�e to a purchaser. If all or any part af the Prap�rty ar any Interest in the Praperty is snld or transferred�or if Borrower is not a natural per5on and a beneficial interest in Borrower is so�d or transferred�without L�nder's prior written consent,Lender may require iinmediate payment in fuli of alI sums secured by this Security �nstrurnent.Hnwe�er,this❑pt�on shal�11�t be�xercised by Lender if s�.ich exercise is prohibited by Applicable Law. � ��ns�s�s�� 11115 VM P� Wolters Kluwer Financial Services 2016Q42�15.1.4.3��2-J2415112�1Y Initials: � Page 12 0{i7 `MPX114655 655 33 i123` � � i