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��14�4�59 under thi�Security Ins�rument unless Lender agrees t�such release in writing. The covenants and agreements�f this Security Instrument shall bind �except as pro�ided in Sectian 2U} and benefit the su�cessors and assigns af Lender. 14. Loan Charges. Lender may charge Bar�ow�r fe¢s for services performed in connection wi�th Borrower's default, for the purpose of pratecting Lender's interest in �he Praperty and rights under this Secur�ty Instrument, including, but n�t limited to, attorneys' fees, property inspection and valuation fees. �n regard�t�any o#her fees, the absence of�xpress authority in this Security Instrurnent to charge a specif c fee to Borrower shall not be construed as a prohibit�an on the charging of such fee. Lender may not charge fees that are expressly prahibited by this Security �nstrument or by Applicable Law. If the L�an is suhject to a law which sets maximurn loan charges, and that law is finally interpreted sa#hat the interest or ather laan charges co�lected or to be callected in connection with the Loan exceed#he permitted lim�ts, then: �a}any such�oan charge shall be reduced by the amount necessary ta reduce the charge to the permitted Iimit; and�b} any sums already callected from Borrower which exceeded permitted �irnits wil� be refunded to Borrower. Lender may choose to make�his refund by reducing the principal awed under th�Note or by making a direct payrnent �a Borrower. �f a r�fund reduces prinCipa�, the reduction wil� be treated as a partial prepaymen� �vithaut any prepayment charge�whether or not a prepayment charge is provided for under�he Nate}. Borrower's acceptance af any such refund made by direct payment to Borrower wi�l �ans�i�ute a wa��er of any right of action Barr�wer might ha�e ar�sing out af such o�ercharge. 15. Notices. All natices gi�en by Barrawer ar Lender in cannection with this Security�nstrument must be in WI'1t1Y7�. Any notice ta Borrower in connection w�th this 5ecurity�nstrurnent shali be deemed to have been given to Borrower when mailed by f rst class mai� or when actually deli�ered ta Borrovver's no�ice address if sent by ather rn�ans. Notice to any one Borrower shall canstitute notice to all Borrowers unless Applicable Law expressly requ�res a�herwise. The notice address shall be the Property Address unless Borrower has designated a substitute natice address by notice to Lender. Borrower shall promptly natify Lender of Borrawer's change af address. If Lender specifies a procedure for reporttng Barrower's change of address, then Borraw�r shall only repvrt a change�f address � through that specified procedure. There may be only one designated notic� address under this Securi�y Instrument at an}�ane tirne. Any notice to Lender sha11 be given by deli�ering it ar by rnailing it by first class mail to Lender's address stated her�in unless Lender has designated another address by notice to Borra�nrer. Any notice in cann�ct�on with this Secur�ty Ins#xumen� shali nat be deemed to ha�e been g�ven to Lender until actually received by Lender. If any no�ice requ�red by this Secur�ty �nstrument is also required under Applicab�e Law, the Applicable Law requirement wi�1 satisf}�the corresponding requirernen�under�his Security Instrument. 15. Go�Qrning Law; Se�erability; Rules of C�nstructi�n. This Securi�y Instrument shail be gaverned hy federal 1aw and the law of the jurisdiction in which the Property is �o�ated. A�1 rights and obl�ga�ions conta.ined�n this Securi�}r Instrument are sub�ect to any requirements and limitatians of App�icable Law. Applicable Law might explicitly ar implicit�y aliow the parties to agree by contract ar it might be silent, but su�h si lence shall not be construed as a prohibition against agreement by contract. �n the e�ent that any pra�isifln or clause of�h�s Security �nstrurn�nt or the Note conflicts with Appli�able Law, such canflict sha11 nat affect other provisians of this Security Instrument or the Nate which can be gi�en effect tivithout the conflic�ing pro�isivn. A.s used in this Security Instrument: �a}wards of the masculine gender shatl mean and include carresponding neuter words or words of the feminine gender; �b}words in the singular shail mean a.nd include the plura� and��ce �ersa; and�c}the word"may" gi�es sale discreti�n withaut any ob�igation to take any action. 17. Borrvwer's Copy. Borrower shall be given ane copy of�he Note and of�his Security Instrurnent. 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest�n the Praperty" means any legal ar beneficia� interest in the Praperty, including, hut n�t iimited ta, thase ben�f cial int�rests transferred in a bvnd for deed, contract for deed, ins�al�m�nt sales contract or es�raw agreement, the intent of which is the transfer of tit�e hy Barrower at a future date to a purchaser. If a1� ar any part of the Property or any Interest in the Property is sold or transferred�ar if Barrower �s nat a natural person and a benef cial interest in Borrower is sald or �ransferred�withaut L�nder's prior wr�tten consent, Lender may require imrnediate payment in full of al�surns secured by this Security Instrument. Howe�er, this aption shal� not be exercised by Lend�r if such exerctse is prohibited by Applicable Lavv. NEBRASKA Single Family--Fannie MaelFreddie Mac UNIF�RM 1NSTRUMENT - MERS pa�� Fvrm 3�2 8 '�ID 1 Pag e 1 Q of 15 w ww.do�magic.com � � � � � +� i� �i �