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2� 1 ��857 � under this Seeurity Instrument unless Lender agrees to such release in writing. The covenants and agreements�f this Security Inst�urnent sha11 bind�exc�pt as pravided in Section 19}and benefit the successnrs and assigns of Lender. 13. Loan�harges. Lender xnay charge�3orro�ver�e�s for services p�r�ormed in c�nnectiv��rith B�rro��r's defauit, for the purpose �f protecting Lender'S interest in the Pr�perty and rights under�his Se�urity Instrument, inc�uding, but not limited ta, attorneys' fees, property inspectian and�aluati�n fees. Lender may c��Iect fees and �harges authorized by the Secr�tary. Lender may not charge fee� that are expressly pr�hibited b� this Securi�y ; Instrument, �r by Applicab�e Law. �f the Loan is subj ect to a law which sets maximum loan charges, and that�aw is finally interpreted so that the interest flr other loan charges�allected ar to be co�iected in c�nnection with the Laan exce�d�he p�rmitted Iimits., then: �a}any such loan charge sha11 be reduced by the amount necessary to redu�e the charge to�he perrnitted limit; and�b}any sums already collected from Barrower�vhi�h ex�eeded perm�tt�d limits will be refunded ta E�orrower. � Lend�r may choose to make this refund by redu�ing the principa�owed under the I`Tote or by making a dir�ct pa�ment to Borrvwer. If a refund redu�e�principa�, the reduction wi11 be treated as a partial prepayment with no char�g�s in the due date or in the mon�,hly payment amount un�ess the Note hnlder agrees in wri�ing��those changes. Borr�wer's acceptance of ar�y su�h refund made�y direct payrnent to Borrovver wi11 constitute a waiver of any right of action Borrower migh�have arising out of such o�ercharge. 14. Notiee5.All notices giv�n by Borrower or L�nder in c�nne�t�on with this Security�nstrument must be in writing. Any notice to Borrower in connect�on with this Security Instrumen�sha1� b�de�med t�hav�been gi�en to Borrawer when rnailed�y f�rst class mail ar W�en actually delivered to Borrower's notice address if sent�ay other m�ans.Natice to any one Borravver shall const�tute notice t�all Borrawers uniess Applicable Law expr�ssly r�quir�s otherwise.The notice addr�ss shall be the Property Address unless Borr�v�er has des�gnated a substitute notice address by natice to Lend�r. Borrower shall pramptly notify Lex�der vf Borrovver's ehange�f ad�lr�ss. If Len�ter spe�ifies a pracedure for rep�rting B�rrovver's change of address,then Borrovver shall�nly report a change of address through that specifed pr�cedure. There may be only�ne des�gnated notic�address und�r this Security Ins�ument at any on� time. .Ar�y r�atic�to Lender s�iall b�gi�ren b�deliv�rir�g it or by rr�aiiing�t��f�rst�lass mail�o�ende�'s address stated herein unles� Lender has designated another address by notice tn Borrvw�r. Any notice in connection w�th th�s Se�urity Instrument shall nat be deemed to have be�n given ta Lender ur��i�actually re�eived by Lender. If any n�tice required by this Securi�y Instrument is also required under Applieable Law, the Applicab�e Law requiren�ent wi11 satisfy the corresponding requirement under this S�curity Ins�rument. 15. Go�erning Law; Sever�bility; Rules nf C'on5truction. This Security Instrument shall be g��erned by ; federa��aw and�h�law of the jurisdicti�n in whi�h the Proper�y is located. A�l rights and obizgati�ns �ontained in th�s Security Ins�rument are subj ect to any requirem�nts and limitat�ons of App�icable Law. Applxcable La�v might exp�icitly vr imp�icitly al�ow the parties to agree by c�ntract�r it might ! be silent, but such si�ence shall not be cnns�rued as a prohibitio� against agreement by c�ntra�t. In the event that any pr�vision ar clause of this Security Instrument ar the N�te c�nflicts with�pplicable Law,such confli��sha11 not affe�t other provisians vf this Security Instrument or the Note whi�h�an be g�ven effect without th�canflicting provision. ' A.�used in this Security Instrument: �a}words of the mascuiine gender sha�l mean a�ad include eorrespanding n�uter worc�s or wards of the feminine gender; �b)words in the singular sha11 mean and in��ud�the plural and�i�� �ersa; and�c}the word"rnay" gives sale discreti�n withaut any ohl�gation to take any action. 1�. Borrower's Copy,Barrower sha11 be gi�en one copy of the Note and of this Secur�ty Instrum�nt. 17. TranSfer of the Property or a Beneficial Interest in Barro►�ver.As used in this Section I7, "Inter�st in ; the Property" means any legal or b�neficial interest in the Praperty, in�luding, but nnt limited t�, those beneficial interests�ransf�rred in a bond for deed, con�ract far deed, in�tallment sates can�rac�or escr�vv agreement, the intent of�hi��is the�ra.nsfer af title by Barrower at a future da�e tv a purchaser. �f ail or any part�f the Praperty or any Inter�st in the Prop�rty is sold or transferred�or if B�rrower is not a naturaT pers�n and a b�neficial interest in Borrower is so�d ar transferred�without Lender's pri�r wri�ten cons�nt, , Lend�'may require immediate payment in full of all�ums secux'etl b}�tliis 5��u�it�r In.s�r�n�nt. Ha��ver,this option shall not be exerciseti by Lender if suGh exercise is prahibit�d by Applicable Lav�. � NEBRASKA FHA DEQ]�F�'R�lST-MERS ��;c M ED�TZ2.FHA �91141�5 Page 9 vf �3 www.atocrnag�c.cvrn �