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20120470� under this Se,curity Instrument unless Lender agrees to such release in writing. The covenants and agreements of this 5ecurity Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Bonower fees for services performed in connection with Bonower's default, for the purpose of protecting Lender's interest in the Property and rights under this 5ecurity Instrument, including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fces, the absence of express authority in this S�urity Instrument to chazge a specific fee to Bonower shall not be construerl as a prohibition on the chazging of such fee. Lender may not charge fees that aze expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan chazges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in conn�tion with the Loan exceed the permitted limits, then: (a) any such loan chazge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Bonower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Bonower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment chazge (whether or not a prepayment charge is provided for under the Note). Bonower's acceptance of any such refund made by direct payment to Bonower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Bonower or Lender in conne,ction with this S�urity Instrument must be in writing. Any notice to Bonower in connection with this S�urity Instniment shall be d�med to have been given to Bonower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Bonower sha11 constitute notice to all Bonowers 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. Bonower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Bonower's change of address, then Bonower sha11 only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument 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 stated herein unless Lender has designated another address by notice to Borrower. Any notice in connection with this Se,curity Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rul�s of Conshvction. This Security Instrument shall be govemed by federallaw and the law of the jurisdiction in which the Properly is located. All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly a11ow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agr�ment by contract. In the event that any provision or clause of this Security Instnunent or the Note conflicts with Applicable I.aw, such conflict shall not affect other provisions of this 5�urity Instnunent or the Note which can be given effect without the conflicting provision. As used in this Security Instrument: (a) words of the masculine gender sha11 mean and include conesponding neuter words or words of the feminine gender; (b) words in the singular sha11 mean and include the plutal and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Properly" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transfened 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 a11 or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Bonower is sold or transfened) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instnunent. However, this option sha11 not be exercised by Lender if such exercise is prohibited by Applicable Law. NEBRASKA--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - MERS Qoq�eg/c � Form 3028 1/01 Page 10 of 15 www.docmaglc.cam � � Ne3028.mzd.�l