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�Q�20924� 14. Loan Charges. Lender may charge Borrower fees for services performed in connecflon with Bonower's default, for the purpose of protecflng Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, property inspecflon 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 shall not be construed as a prohibiflon on the charging of such fee. Lender may not charge fees that are expressly prohibited by tlus Security Instnunent or by Appllcable Law. If We Loan is subject to a law which sets maximum loan charges, and that law is flnally 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 laan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and @) any sums already collected from Borrower which 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 pdncipal, the reduction will be treated as a partial prepayment wiWout 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 be in writing. Any no8ce 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 to any one Bonower shall constitute notice 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 shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporttng Bonower's change of address, Wen Borrower shall only report a change of address through that specitied 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 8rst class mail to Lender's address stated herein unless Lender has designated anoWer address by notice to Bonower. Any noflce 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 Instrument is also required under Applicable Law, We Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be govemed 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. Appflcable Law might explicidy or implicidy allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a NEB�$KA — Slvgle Family -- Femie Mea/Freddie Mac UI�➢FORM INSTAUA�NT Fmm 3028 I/UL� �y �// , GCC - G302&13 (09/Ol) (Page 13 of /9) Initials: � ��•i �