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202400080 <br />LOAN #: 1555500244 <br />the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a <br />prepayment charge is provided for under the Note). To the extent permitted by Applicable Law, Borrower's <br />acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right <br />of action Borrower might have arising out of such overcharge. <br />16. Notices; Borrower's Physical Address. All notices given by Borrower or Lender in connection <br />with this Security Instrument must be in writing. <br />(a) Notices to Borrower. Unless Applicable Law requires a different method, any written notice to <br />Borrower in connection with this Security Instrument will be deemed to have been given to Borrower <br />when (i) mailed by first class mail, or (ii) actually delivered to Borrower's Notice Address (as defined in <br />Section 16(c) below) if sent by means other than first class mail or Electronic Communication (as defined <br />in Section 16(b) below). Notice to any one Borrower will constitute notice to all Borrowers unless Appli- <br />cable Law expressly requires otherwise. If any notice to Borrower required by this Security Instrument <br />is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding <br />requirement under this Security Instrument. <br />(b) Electronic Notice to Borrower. Unless another delivery method is required by Applicable Law, <br />Lender may provide notice to Borrower by e-mail or other electronic communication ("Electronic Com- <br />munication") if: (i) agreed to by Lender and Borrower in writing; (ii) Borrower has provided Lender with <br />Borrower's e-mail or other electronic address ("Electronic Address"); (iii) Lender provides Borrower with <br />the option to receive notices by first class mail or by other non -Electronic Communication instead of by <br />Electronic Communication; and (iv) Lender otherwise complies with Applicable Law. Any notice to Bor- <br />rower sent by Electronic Communication in connection with this Security Instrument will be deemed to <br />have been given to Borrower when sent unless Lender becomes aware that such notice is not delivered. <br />If Lender becomes aware that any notice sent by Electronic Communication is not delivered, Lender will <br />resend such communication to Borrower by first class mail or by other non -Electronic Communication. <br />Borrower may withdraw the agreement to receive Electronic Communications from Lender at any time <br />by providing written notice to Lender of Borrower's withdrawal of such agreement. <br />(c) Borrower's Notice Address. The address to which Lender will send Borrower notice ("Notice <br />Address") will be the Property Address unless Borrower has designated a different address by written <br />notice to Lender. If Lender and Borrower have agreed that notice may be given by Electronic Communica- <br />tion, then Borrower may designate an Electronic Address as Notice Address. Borrower will promptly notify <br />Lender of Borrower's change of Notice Address, including any changes to Borrower's Electronic Address <br />if designated as Notice Address. If Lender specifies a procedure for reporting Borrower's change of Notice <br />Address, then Borrower will report a change of Notice Address only through that specified procedure. <br />(d) Notices to Lender. Any notice to Lender will be given by delivering it or by mailing it by first <br />class mail to Lender's address stated in this Security Instrument unless Lender has designated another <br />address (including an Electronic Address) by notice to Borrower.Any notice in connection with this Secu- <br />rity Instrument will be deemed to have been given to Lender only when actually received by Lender at <br />Lender's designated address (which may include an Electronic Address). If any notice to Lender required <br />by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will <br />satisfy the corresponding requirement under this Security Instrument. <br />(e) Borrower's Physical Address. In addition to the designated Notice Address, Borrower will pro- <br />vide Lender with the address where Borrower physically resides, if different from the Property Address, <br />and notify Lender whenever this address changes. <br />17. Governing Law; Severability; Rules of Construction. This Security Instrument is governed <br />by federal law and the law of the State of Nebraska. All rights and obligations contained in this Security <br />Instrument are subject to any requirements and limitations of Applicable Law. If any provision of this <br />Security Instrument or the Note conflicts with Applicable Law (i) such conflict will not affect other provi- <br />sions of this Security Instrument or the Note that can be given effect without the conflicting provision, <br />and (ii) such conflicting provision, to the extent possible, will be considered modified to comply with <br />Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it <br />might be silent, but such silence should not be construed as a prohibition against agreement by contract. <br />Any action required under this Security Instrument to be made in accordance with Applicable Law is to <br />be made in accordance with the Applicable Law in effect at the time the action is undertaken. <br />As used in this Security Instrument: (a) words in the singular will mean and include the plural and <br />vice versa; (b) the word "may" gives sole discretion without any obligation to take any action; (c) any <br />reference to "Section" in this document refers to Sections contained in this Security Instrument unless <br />otherwise noted; and (d) the headings and captions are inserted for convenience of reference and do <br />not define, limit, or describe the scope or intent of this Security Instrument or any particular Section, <br />paragraph, or provision. <br />18. Borrower's Copy. One Borrower will be given one copy of the Note and of this Security <br />Instrument. <br />19. Transfer of the Property or a Beneficial Interest in Borrower. For purposes of this Section 19 <br />only, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not <br />limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales <br />NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3028 07/2021 <br />ICE Mortgage Technology, Inc. Page 11 of 14 NE21 EDEED 0222 <br />NEEDEED (CLS) <br />01/03/2024 10:03 AM PST <br />