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201205535 Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Insttument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property aad rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspecrion and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower sha11 not be construed as a prohibition on the charging of such fee. Lender may not charge fees that aze expressly prohibited by this Security �nstrument or by Applicable Law If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Bonower wluch exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment chazge is provided for under the Note). 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 overchazge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Boaower when mailed by first class mail or when actually delivered to Borrower's notice addres,s if sent by other means. Notice to any one Borrower shall constitute norice 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 sha11 promptly notify Lender of Bonower's change of address. If Lender specifies a procedure for reparting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There ma.y 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 Secutity Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any nofice requir� by this Security Inshvment is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rnles of Construction. This Security Instrwnent shall be governed by federal law and the law of the jurisdiction in which the Property 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 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 Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of this Security Inshument 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 corresponding neuter words or words of the feminine gender; (b) words in the singular sha11 mean and include the plural 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 Beneflcial Interest in Borrower. As used in tlus Section 18, "Interest in the Properry" means any legal or beneficial interest in the Property, including, but ttot 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 Borrower at a future 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 nat�u�al person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all swns secured by tUis Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. NEBRASKA -Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMEIVT Form 3028 1/01 Page 9 of 12 �, ��Q in � ias, ina Borrower s Inffials ,.�C V�