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2012073�4 Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument 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 wtth Borrower's default, for the purpose of protecting Lender's interest in the Property and rlghts under this Security Instrument, including, but not limited to, attorneys' fees, properiy inspection and valustion fees. In regard to any other fees, the absence of express authority in this Securlty Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument 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 tnterest or other loan charges collected or to be collected in connection with the Loan exce,ed 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 Borrower which exceeded pennitted 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 charge 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 overcharge. 15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must he in writing. Any 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 W any one Bonvwer sha11 constitute notice to all Borrowers unless Applic�ble Law expressly requires othervvise. 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 Borrower's change of address. If Lender specifies a procedure for reporting Borrower'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 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 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 Instrument. 16. Goverming Law; Severability; Rules of Constraction. This Security Instrument sha11 be govemed by federal law and the law of the jurisdiction in which the Properiy is located. AII rights and obligations contair►ed in this Security Instrument are subject to any reyuirements 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 sha11 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 sha11 not affect other provisions of this Security Instrument or the Note which can be given effect wlthout the conflicting provision. As used in this Security Instrumen� (a) words of the masculine gender sha11 mean and include cornsponding 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. 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 ia Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contiact for deed, insta�lment 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 natural person and a beneficial interest in Bonower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Insttumen� However, this option sha11 not be exercised by Lender if such exercise is prohibited by Applicable Law. NEBRASKA vingle Famfty-Fannie Mae/Preddie Mac UNIFORM INSTRUMENT Form 3 28 01 Page 9 of 12 ins, inc. Borrower(s) Initlals