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20110867J reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Bonower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Bonower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Auy notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower sha.11 promptly notif� Lender of Borrower's change of address. If Lender specifies a procedure for reporting Bonower's change of address, then Borrower sha11 only report a change of address through that specified procedure. There may be only one designated notice address under this Security Inshument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address sta.ted herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Inshument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrumen� 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Properiy is located. All rights and obligations contained in this Security Instntment are subject to any requirements and limita.tions of Applicable Law. Applicable Law might �plicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract In the event that any provision or clause of this Security Inshument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Security Instrument or the Note which ca.n be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17. Borrowers Copy. Borrower shall be given one copy of the Note and of this Security Insirument 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any lega.l or beneficial interest in the Properiy, including, but� not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Bonower at a future date to a purchaser. If all or any pa.rt of the Property or any Interest in the Properly is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transfened) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Insirument. However, this optiott shall not be exercised by Lender if such eJCercise is prohibited by Applicable Law. HCFG-00359 NEBRASKASingle Famfly-Fennie Mee/Freddia Mec UNIFORM INSTRUMENT Form 3028 1/01 VMP� 03/77 Wolteis Iauwrer Finencfel Servicea 207t71094.0.0.0.4002J20110525Y Pege 12 of 16 '1 11 G