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� 2� 1 ��7�25 � , reduction will�e treated as a partial prepayment without any prepayment charge(wh�ther or not a prepayment�harge is pro�ided far under the Nate�. Borrower's accepta.nce of any such refund made by ; direct payment to Borrower will constitute a wai�er of any right of actian Borrower might ha�e arising � aut of such o�ercharge. 'I�. Notices.All nQtices given by Borrower or Len�ier in cannection with this Security Instrument must ; be in wr�ting.Any natice to Barrvwer�n connectian with this Security Instrument sha��be deemed to ha�e been gi�en to Borrower when mai�ed by first class mail or when actua�ly deli�ered ta Borrawer's notice addr�ss if sent by other means.Notice to any one Borrov�er shal�constitute natice to all Borrowers : unless Applicabl�Lavv expressiy requires otherwise. The notice address shall be the Property Address ; unless Borrflwer has designated a substitute n�tice address by natice to Lender.Borrawer shall pr�mptly notify Lender of Borrovver's change of address.If Lender specifies a procedure far reporting B�rrower's change of address,th�n Barrower shall anly repflrt a change of address through that spe�if�d procedure. There may be only one d�signated notice address under this Se�urity Instrument at any one time.Any notice to Lender shall be gi�en by deli�ering it�r�y mailing�t by first class mail to Lender's address stated herein unless L�nder has designated another address by natice to Borrower.Any notrce in connection with this Security Instrument shall not be deemed to ha�e been gi�en to Lender until actua�ly recei�ed hy Lender.If any notice required by this Security Instrument is also required under Applicable Lavv,the Applicable Law requirement wi�l satisfy the carresponding requ�r�ment under this Security Instrument. 'I�. �o��rning Law; Se�era�ility; Rules of Constructian. This Security Ins�rument shall be go�erned by federal law and the law af the jurisdiction in which the Praperty is located.All rights and obligat��ns contained in this Security Instrumer�t are subject to any requirements and limita.tions of Applicable Law. Applicable Law might exp�icitly ar implic�tly allow the parties to agre�by contract or it might be silent,but such s�len�e shall nat be construed as a prohib�tian against agr�ement hy contract. In the event that any pro�ision ar clause of this Security Instrument or the Note canflicts with Applicable Lavv, such canflict shall not afFect other pro�isions of th}s Security Instrument�r the N�te which�an be given effect without the conflicting pro�ision. As used in this Security Instrument: (a)words of th�masculine gender sha11 mean and include corresponding neuter wards or words�f the feminine gender;(b}words in the singular shall mean and include the plural and vice�ersa;and�c)the w�rd"may"gives sole discretion without any obligation ta ta.ke any action. 'I 7. Borrower's Capy. Barrovver shall he gi�en one copy of the Note and of this Security Instrument. '18. Transfer of the Pr��erty or a Ben�ficia� Interest in Borrawer. As used in this Section 1$, "Interest in the Property"means any legal or beneficial interest in the Property,including,but not limited to,those beneficial interests transferred in a band for deed,Cantract for deed, installment sales contract or escr�w agreement,the intent of whi�h is the transfer af title by Borrower at a future date to a purchas�r. If aIl or any part�f the Proper�y or any Int�rest in the Property is sald or transferred�or if B�rrower is not a natural person and a beneficial interest�n Borrawer is sold or transferred}without Lender's prior vvritten cvnsent,Lender may requ�re immediate payment in full of al�sums secured by this Security Instrument. Howe�er,this opti�n shall not be ex�rcised by�Lender if such exercise is prahibited by Applicable Law. � 1138827543 11115 VMP� W9olters Kluwer Financia�Services �01G1D3115.1.�.3537-J2�1fi�219Y knitials: Page 12 of 17 19 1 *