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201211035 <br /> under this Security lnstrument. Borrower shall not be released from Borrower's obligations and liability under this <br /> Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security <br /> Instrument shall bind(except as provided in Section 20)and benefit the successors and assigns of Lender. <br /> 14.Loan Charges.Lender may charge Borrower fees for services performed in connection with Borrower's default, <br /> for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument,including,but <br /> not limited to,attorneys'fees,property inspection and valuation fees.In regard to any other fees,the absence ofexpress <br /> authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the <br /> charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by <br /> Applicable Law. <br /> If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the <br /> interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits,then: <br /> (a)any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit;and(b)any <br /> sums already collected 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 payment to Borrower.If <br /> a refund reduces principal,the reduction will be treated as a partial prepayment without any prepayment charge(whether <br /> or not a prepayment charge is provided for under the Note).Borrower's acceptance of any such refund made by direct <br /> payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. <br /> 15.Notices.All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. <br /> Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower <br /> when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means.Notice to <br /> any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise.The notice <br /> address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. <br /> Borrower shall promptly notify Lender of Borrower's change of address.If Lender specifies a procedure for reporting <br /> Borrower's change of address,then Borrower shall only report a change of address through that specified procedure. <br /> There may be only one designated notice address under this Security Instrument at any one time.Any notice to Lender <br /> shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has <br /> designated another address by notice to Borrower.Any notice in connection with this Security Instruinent shall not be � <br /> deemed to have been given to Lender until actually received by Lender.If any notice required by ilus Security Inshument ' <br /> is also required under Applicable Law,the Applicable Law requirement will satisfy the corresponding requirement under <br /> this Security Instrument. I <br /> 16.Governing Law;Severability;Rules of Construction.This Security Instrument shall be govemed by federal I� <br /> law and the law of the jurisdiction in which the Property is located.All rights and obligations contained in this Security � <br /> Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or I <br /> implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a <br /> prohibition against agreement by contract.In the event that any provision or clause of this Security Instrument or the <br /> Note conflicts with Applicable Law,such conflict shall not affect other provisions ofthis Security Instruinent or the Note <br /> which can be given effect without the conflicting provision. <br /> As used in this Security Instrument:(a)words ofthe masculine gender shall mean and include corresponding neuter <br /> words or words of the feminine gender;(b)words in the singular shall mean and include the plural and vice versa;and <br /> (c)the word"may"gives sole discretion without any obligation to take any action. <br /> 17.Borrower's Copy.Borrower shall be given one copy of the Note and of this Security Instrument. <br /> 18.Transfer of the Property or a BeneFcial Interest in Borrower.As used in this Section 18,"Interest in the <br /> Property"means any legal or beneficial interest in the Property,including,but not limited to,those beneficial interests <br /> transferred in a bond for deed,contract for deed,installment sales contract or escrow agreement,the intent of which is the <br /> transfer of title by Borrower at a future date to a purchaser. <br /> 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 <br /> person and a beneficial interest in Borrower is sold or transferred)without Lender's prior written consent,Lender may <br /> NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �FJ o�,3028 1/01 <br /> Page 9 of 12 � ///I/n <br /> �os,i�o. 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