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20i206504 <br />14. Loan Charges. Lender may charge Borrower fees for services performed in <br />connection with Borrower's default, for the purpose of protecting Lender's interest in the <br />Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, <br />properly inspection and valuation fees. In regard to any other fees, We absence of express <br />authorlty in this Security Inshvment to charge a specific fee to Borrower shall not be construed <br />as a prolribition on the charging of such fee. Lender may not charge fees that are expressly <br />prohibited by this Security Instrument or by Applicable Law. <br />If the Loan is subject to a law which sets maximum loan charges, and that law is finally <br />interpreted so that the interest or other loan charges collected or to be collected in connecflon <br />with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the <br />amount necessary to reduce We charge to the permitted limit; and (b) any sums already collected <br />from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may <br />choose to make this refund by reducing the principal owed under the Note or by making a direct <br />payment to Borrower. If a refund reduces principal, the reduction will be treated as a parflal <br />prepayment without any prepayment charge (whether or not a prepayment charge is provided for <br />under the Note). Borrower's acceptance of any such refund made by direct payment to <br />Borrower will constttute a waiver of any right of action Borrower might have arising ont of such <br />overcharge. <br />15. Notices. All Notices given by Borrower or Lender in connection with this <br />Security Instrument must be in writing. Any notice to Bonower in connection with this Security <br />Instrument shall be deemed to have been given to Borrower when mailed by first class mail or <br />when actually delivered to Borrower's notice address if sent by oWer means. Notice to any one <br />Bortower shall constitute notice to all Borrowers unless Applicable Law expressly requires <br />otherwise. The noflce address shall be the Property Address unless Borrower has designated a <br />substitute notice address by notice to Lender. Borrower shall promptly notify Lender of <br />Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change <br />of address, then Bonower shall only report a change of address through that specified <br />procedure. There may be only one designated noflce address under this Security Instrument at <br />any one t3me. Any notice to Lender shall be given by deliverIng it or by mailing it by first <br />class mail to Lender's address stated herein unless Lender has designated another address by <br />notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed <br />to have been given to Lender until actually received by Lender. If any notice required by this <br />Security Instrument is also required under Applicable Law, the Applicable Law requirement will <br />satisfy the corresponding requirement under this Securlty Instruraent. <br />16. Governing Law; Severability; Rules of Construction. This Security Instrument <br />shall be govemed by federal law and the law of the jurisdiction in which We Property is located. <br />All rights and obligations contained in this Security Instrument are subject to any requ9rements <br />and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the <br />parties to agree by contract or it might be silent, but such silence shall not be construed as a <br />NEBRASRA — Single Family -- Famia MadFraddie Mac UNII+ORM INS'fRUMffi�T Form 3028 voi <br />GCC - G3028-13 (09/Ol) (Page 13 ofl9) Initials: <br />