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�O1�U52 Subject to 1�e provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under t}us Security Inshument in writing, and is approved by Lender, shall obtain all of Bosower's ri�hts and benafits under this Security Instrumen� Borrower shall not be released from Boaower's obligations and liability under this Security Instrument unless Lender agreas to such ralease in writing. Tha covenants and agraemants of this Security Instnunant shall bind (except as provided in Section 20) md benefit the successors and assigns of I.snder. 14. Loan Charges. Lender may charge Borrower fees for services performed in connecrion with Borrower's default, for the purpose of protecting Lender's intezest in. the Property and rights under this Security Instrum►ent, includ'mg, but not linoitted to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this �ity Instrument to charge a specific fee to Borrower shall not be construed as a prohxbition on the charrgin o� f such fee. Lender may not char�e fees tb�at are expressly prohibitedby this Security Instrument or by Applicable Law. If the Loan is su�ject to a law wluch sets �ximum loan charges, and that law is finally interpreted so that the interest ar other loan charges coIIecterl or to be collected in connection with the Loan exceed the permitted lnnits, then: (a) any such loan charge shall be reduced by the a�unt necessary to reduce the charge to the permitted lim.it; and (b) any sums already collected from Borrower which exceeded permitted limits will 1oe refunded to Borrower. Lender may choose to make this refund by xeducing the priacipal owed uuder the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prapaymentwithout any prepay,�nt charge (whether ornot aprepayment chazge is provided forundertheNote). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Banower or Lender in comiection with this Sec�mty Instinm�ent must be in vvr�ng. Any notice to Borrower in connection with this Security Ins�nt sha(1 be deemed to have been gnven to Borrower when mailed by first class a� or when actually delivered to Banrower's notice address if sent by other means. Notice to any one Borrower shall consritute nohce to all Bonowers unlass Applicable Law elcpressly requires otherwise. The notice address shail lia the Praperty Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender speci�'ies a pr�edure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only ane designated notice address under this Security Instrument at eny one time. Any notica to Lender shall be given by delivering it or by mailing it by first class mail to Lander's address stated herein unless Lender has designated another address by notace to Borrower. Any notice in connection with this Security Ins�ument shall not be deemed to have been given to Lender until actually received by Lender. If any notice rec�uired by this Security Ins�nt is also required imder Applicable Law, the Applicable Law requiarement will satisfy the corresponding requirement under this Sec�ity S�nstrument 16. Governing Law; Severability; Rule� of Constructio:►. This Sec�ity Instnnx►ent sha11 be governed by federal Iaw and the law of tbe jurisdiction in which the Properiy is locatecL All rights and obligations conta.ined in this Security Instrucn�nt are subject to any requirements and limitations of Ap�licable Law. Applicable Law might explicitly ar implicitly allow the parties to agree by contract or it might be s�lent, but such s�enca slaall not be construad as a pro}ubition against agreement by contract. In the event �at any provision or cIause of this Security Ins�trument or the Note conflicts with Applicable Law, such conflict shaU. not affect other provisions of tUis Security Tn��„t or the Note wtrich can be given effect without the conflictimg provision. As used in this Security Instrument: (a) words of the masculin� gender shall mean and include conesponding neuter words or words of the feminine gender, (b) words in tha singular shall mean and include the plural and vice versa; and (c) the word "may" givas sole discretion without any obligation to take any action. I7. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a BeaeScial Interest in Borrower. As usad in this Section 18, "Interest in the Property" me�s any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests tYansf� in a boad for deed, con�act for dced, installment sales contract or escrow agreenaent, the intent of which ia the transfer of title by Borrower at a fuhue date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a nattual person and a beneficia� inferest in Borrower is sold or transferred} without Lender's prior written consent, Lender may require immediatepayment in full of all sums secured by this Securi Tn�im�.nt. However, this option shall not be exercised by Lender if such exercise is �rohibited by Applicati�e T.aw. If Lender exercises this option, Lender shallg�ve Borrower noUce of acceteration 17�e notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this S�urity Instrument. If Borrowez fails to pay these sums prior to the axp�ration of thisperiod, Lender may invoke any remedies permitted by this Security Instrwnent without further notice or demand on Borrower. 19. Borrower's Right to Re�instate Aiter Acceleratioa If Borrawer meets csrtain conditions, Borrower shall have the right to have enforcement of this Security Ynshvment discontinued at any time prior to the earliest of {a) five days before sale of the Frop�y pursuant to any power of sale contained in this Security Ins�umen� {b) snch other period as Applicable �aw mnght specify far the term%ation of Bonrower's right to zeinstate; or (c) entry of a judgment enforcing this Security Instivment Those conditions are that Borrower: (a) pays Lender all sums which than would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; {c) pays all expenses incurred iuu enforcing this Security Instrument, including, but not limited to, reasonable attomeys' fees, property inspection and valuation fees, and other fees incurred for thepurpose of protecting Lender's mterest m the Property and rights under this Security Instrumen�t; and (d} takes such action as Lender may reasonably require to assiae that Lender's interest in the Properly and rights under this Sec�ity Instrument, and Borrower's obligaLion to pay tha sums secured by this Secunty Inshument, shall contmue unchanged. Lender may requue that Borrower pay such reinstatement sums and expenses in one or more of tha following forms, as selectad by I.ender: (a) cash; (b) money order; {c) cerlified check, baak check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose de�osits are insiued by a federal a�ancy, instramentality or entity; or {d) Electrozuc Funds Transfer. Upon revnstatement by Borrower, ttus Secunty Instr�ment and obligations secured hereloy shall remain fully effective as if no acceleration had occurred. However, this right to reinshate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Losn Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security Inst�r�nnent) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (laiown as the "Loan Service�') that collects Periodic Payments due NEBI2ASKA—Single Femily—Fannie Mae/Freddie Mac UNIE'ORM INSTRUMENT (MEItS) Forw 302B 1/Ol (page 7 of 9 pagesJ 12439.CV (9/li} d300102693 Creative Thinidag, Iuc. GOTO(003bed28)