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201207723 under this Securify Instrumcn[unless Lender agrees to such release in writing. The covenants and agrecmcnts of this Secu�ity lnstrumcnt shall6ind(except as provided in Section 20) and benefit the successors and assigns of Lcndcr. 14. Loan Charges. Lender may charge Borrower fees for services performed in connec[ion with Borrowcr's default, for the purpose of protccting Lender's interest in the Property and rights under this Sccurity lnstrument, including but not limited to, attorncys' fccs,properry inspection and valuation fecs. I�rcgud lo any other fees, lhe absence of express authority in this Sccurity Inshument to charge a specitic f'ec to Borrower shall not be consUued ns a prohibition on the cl�arging of such fce. Lc�dcr may not chazge fecs that arc cxpressly prohibited by this Security Inshument or by Applicable Law. If the Loan is subject to a law which sels maximuni loan chazgcs, and lhal law is finally interpreted so that the ipterest or other loan charges collected or to be collecled in cunnecUon with the Loan exceed the pennitted limits, then: (a)any such loan charge shall be reduced by the amount necessary to reduce the charge to the permillcd limit; and(b)any sums xlready collected from Borrower which exceeded pe�mitted limits will be refunded to Borrowcr. Lendcr mxy choose to make this refund by reducing thc principal owed under the No[e or by m<lking a direct payment to Borrowcr. IY'a refund reduces principal, [he xeduction will be treated as a pa�tial prepayment without any prepayment charge(whether or not a prepayment charge is provided for under the Note). 6orrower's acecptance of any such refund made by dimcl payment to Borrower will constitute a waiver of any right of nction Borrower might have arising oul of such ovcrchnrge. 15. NoHces. All nolices givc�by Borrower or Lender in connectiun with this Sccurity lnslrumenl ntust be in writing. Any notice ro Borrower in conneclion with this Security Instrumcnl shall be deemed to have been given to Borrowe�when mailed by firet class mail or when aclually dclivc�ed to Borrowei s notice acldress if sent 6y othcr means. Nulice lo any one Borrower shall constitute notice lo all l3orrowers unless Applicahle Law expressly rcyuires otherwise. The notice addxess shall be the Property Address unless Borrower hxs dcsignalal a substitute notice address by notice to Lender. k3orrowcr shall promptly notify Lender of Borrowcr's change of address. If LenAer specities a procedure for reporting Borrower's chxnge of'address,then Borrowcr shall only report a cha�ge of adAress through that specified procedure. Thcrc mxy 6e only one designated notice address undcr lhis Security Instrument at eny one time. Any notice ro Lender shall bc given by delivering it or by mniling it by firs[class mail to Lender's address stated herein unless Lender has designated anothcr address by noticc to Burrowec Any no[ice in connection with this Security Instrument shall not be deemed to have been given to Lender until acwally received 6y Lcndcr. If any notice require,d by this Security Instrument is also required under ApplicaUle Law, the Applicable Law requirement will satisfy lhe corresponding requirement under this Security Inshument. � 16. Coverning Law; Severa6ility; Rules of Construction. This Security Instrumc�l shall be governed by federal law and the law of Lhe jurisdiction in which the Property is located. All rights and obligalions contained in this Security Instrument are subjecl lo any rcyuiremen[s and liinitations oi'Applicablc Law. Applicable Law mighl explicitly or implici[ly allow Llte parlics to agree by conhact or it might bc silcnl, but such silence shall not be cunstrued as a prohibi[ion agaiust agreemenl by wntract. In thc cvcnt lhat any provision or clause of[his Security fnstnimcnt or the Note conflicts with Applicable Law, such conllicl shnl]not affect other provisions of this Security Instnim�mt or the Note which can be given effecl without thc cunflicling provision. As used in this Security InstrumenC (a)wurds of thc mascidinc gender shall mean aud include corresponding neuter words or words of[he feminine gender, (b) wurds in lhc singidar shall mean and include the plural and vicc versa; and(c)the word "may" gives sole discretion without nny obligation to take any action. - 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Sewrity Instrument. 18. Transfer of the Property or a Beneficiul Interest in Borrower. As used in this Sec[ion 18, "Inleresl in the Property" means any lcgal or beneficial interest in the Property, including, but not limitcd to, those beneficial interests[ransferred in a bond for dced, contract for deed, installment sales contract or escrow xgr�meny the intent of which is tl�e transfer of title by Bormwcr at a future date to a purchascr. If all or any part of[he Property or any Inlcresl in thc Properly is sold or lransferred(or if Rorrower is not a naWral person nnd e beneficial interest in Borrower is sold or transferred)without I.ender's prior wriltcn conser�t, - Lender may require immediatc;payment in full of all sums secured by this Security Insh-wncnL However, this option shall not be exercised by Lender if such cxercise is prohibiled by Applicablc Law. NEBR4SKA—Sirgle Family--Fannie MaelFreddie Mac UNIFORM INSTRUMENT-MERS pp��yyl��,-�� Fortn 3028 1l01 Page 10 of 15 www,docmagic.com