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��14�4��4 u.nder th�s Securxty Instrumen�unless Lender agrees to such release�n vvri��ng. The covenan�s and agreemen�s af this Securxty Instrument shal�bind �except as prov�ded i.n Sec�ion �9} and benefit the successors and assigns of Lender. 13. Laan Charges. Lender may charge Borrower fees for serv�ces perf�rmed in connec��on with Borrower`s defaul�, for�he purpose af pr�tec�ing Lender`s xnteres� in the Proper�y and r�ghts under this Secur�ty Instrumen�, inc�ud�ng, but not��m�ted to, attarneys' fe�s,pr�perty inspec�ion and valuatian fees. In regard ta any other fees,the absenc�of express author�ty �n this Secur�ty Instrument�o charge a�pecif c fee�o�3orrower shall not he construed as a prah�bition an the charging of such�fee. Lender may na�charge fees tha�are e�pressly pr�hibrted by this Security Instrument ar by App�icable Lavv. If�he Loan is subject�o a Iaw whi_ch sets max�munz Iaan charges�and tha�law�s f na��y znterpreted so that the �.nteres�or other Ioan charg�s co�lected or ta be col�ec�ed in connection with the Loan exceed the permitted limzts, th�n: �a}an�such�oan�harge shall b�reduced�y�he amount ne�essary to reduce the charge to the perm�tted lim�t; and�b} any sums a�ready co�Iected from B�rrower wh�ch e�ceeded perm�tted limi�s w��l be refunded to�3arrower. Lender may cho�se�o make this refund by reducing�he principa�awed under�he Note or by mak�ng a direc�paymen� ta B�rrower. If a refund reduces princ�pal, the r�duc�ion vvil� be �rea�ed as a partial prepaymen� wi�hou� any , prepayment charge�tivhether or nat a prepaymen�charge is prav�ded far under�he Note}. Barrower's acceptance of any such refund made by d�rect payment to Barrower w�� cons��tu�e a vva�ver of any righ�of acti�n Borrav�er m�ght have arisir��au�af such overcharge. 14. NGtiC�5. A�l no�ices given by Borrower or Lender irY cor�r�ec�ion wi�h�his Securi�y Instrumen�must b�i.n �r��zn�. Any notzce to Borrower in cannect�an w�th this Security Instrument shall�be de�med ta have been given�a Borrawer when ma�led by first c�ass mail or when actua�ly de�rvered to B�rrower's notice address if sen�b� other means. �Totice to any one Borrower sha��canstitute not�ce to a��Borrflwers un�ess App�xcab�e Law expressly r�quires o�herwise. The no�ice address shal� be�he Praperty Address un�ess Barrower has des��na�ed a subst�tu�e no�ice address by notice ta Lender. Borrower shall prampt�y nati�y Lender of Borrower's change of address. If Lender specif es a procedure for reporting Borr�wer's chan�e af address,�h.en Borrovver sha��only rep�rt a change af address through tha� spec�f�d procedure. There ma�be only one designa�ed na��ce address under thi� Secur�ty Instrument at any on�time. An�notice to Lender sha�l b�b�ven by de��ver�n��t or�y xna�I�.ng i�b�fir��class maxl ta L�nd�r's address stated here�n unl�ss Lender has designa��d another address by no�ice ta Borrower. Any not�ce�.n c�nnect�an w�th�hzs Security Instrument sha1l not be deem�d�a have been.given ta Lender until ac�ually rece�ved by Lender. Lf any not�ce requi.red by thzs Securi�y Instrument �s also required under Applica��e Law, the App��cab�e Law requ�rement wi�� sati.sfy�he corr�spond�nb requ�remen�under th�s Secur�ty Ins�rumen�. 15. Govern�ng Law; Severabiiity; Ru�es of Construc�ion. This Secur��y Ins�rumen� sha�� be gaverned by federa��a�v and the 1aw af the jur�sdic�i.on i.n whi.ch the Property is loca�ed. A�l rights and ob��gatior�s con�a.ined�n th.is Security Instrumen�are sub�ect to any requir�ments and Iimi_tatians of Applicab�e Law. Applicah�e Lavv m��.� expixc�tly ar �mpl�c�t�y a�law the part�es to agree by contrac� �r i� m�ght be s��ent, but such srlen.�e sha�� no� be construed as a prohi.bit�on agains�agreemen�by contract. In.the event that any provis�on or c�ause of thi.s Secur��y Instrument ar the Nat�confl�c�s v�th App�zcable Lav�, such G�nfl�ct shall nn�affect�ther pravi.sians of this 5ecur�ty Instrum�nt or the Note v�hich can be g�ven effect vv��hout the can.fl�cting provisian. As used in�h�s 5ecuri.�y Instrum.en�: (a�vvards�f the mascu��ne g�nder shall mean and include corresponding neuter words ar words of the feminine gend�r; (b�wards�n�he singular sha�l xnean and�nciude�he p�ura� and�ice versa; and�c�the word "may'{ gives so�e d�scre��on wxth�ut any abiiga��an to�ak�any ac�ian. 16, Barrovver's�opy. Barrawer sha��be given one copy of the Nate and af this Secur��y Instru.ment. 17. Transfer af the Propertiy;Acce�eraiion;A►.ssumpt�on. This loan may be declar�d�mmediately due and payab�e upon transfer of the praperty securing such �oan to any transferee, uniess the acceptability of th� assumpt�on of the loan�s�stablished pursuant to Sectian 3714 of�hapt�r 37, Title 38,Un�ted States Cade. The acceptab��ty of any assumpt�on sha�� a�so be suh�ect to the follow�ng add�tiona� proviEsion�: �a) Fund�.ng Fee: A fee equal tn ane-ha�f of 1 percent af the balance of this laan as af the date af�transfer of the property sha�I.be payabie at the time af transfer to th��oan ho�der or its autho�zed _ agent, as trustee f�r the Department of Veterans Affa�rs. If the assumer fai�s ta pay thi5 fee at th� t�me of transfer,�he fee shall constitute an additiona�debt to that a�ready secur�d by this�nstrament, hiEBRAS�CA--�ingfe Family--LJNIF�RM �NSTRUMENT f��c�lac„�ic o M�Df Fl ED F�R DEPARTM ENT �F V ETERAN S AFFA�F�S v�ww_daemag�c,cam �RE11. �[10�} Pag e 9 �f 14