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2� 1 �� 181 � Sub,�e�t to the�ro�isi�r�s of Section 1'�,an�5�ccesst�r�n Inter�st of Bo�rr�,w�e�v�ho ass�mes Botrower's obligations under this Security Instrument in,writing,and is agpro�ed by Lender, shall o�tain a��of Borrower's rights and benefi�s under this Security Instrume�t. Barrow�r sha11 nat be released from Barrvv�er's obligations and liability under this Sec�.rity instrument unless L�nd�r agree�to such release in writing.The covenants and agreements of this Security Instrument shall bind�exce�t�s pro�ided in Section I9}and benefit the successors and assigns of Lender. 'I 3. Loan Charges.Lender may charge�orrower fees for services performed in connection w�th Borrawer's defau��, for the purpose of protec�ing Lender`s interest in the Property and rights under this Security Instrument,includ�n�,but nat limited tv,attorne�rs'f�es,property i�spe�tion and��uation�ees.L�n.der may collect f�es and charges author�zed by the Secretary. Lender may not charge fees that are expressly proh�b�ted by this S ecurity Instrument or by App��cab�e La�v. If the�.oan�s subject to a�aw wh�ch sets maxi.mum�oan charge�,and that 1aw�s f na11y interpreted so tha��he interest a�flt�er 1oa�charges collected o��a t�e cal�ected in c�nn.ection tivith the Loan�xcee�the permitted limits,then: (a)any such�oaa charge sha11 b�reduced by the am�unt necessar��o reduce the charge to the permitted limit;and�b}any sums a�rea�.y collected from Borraw�er which exceeded permitted limits�vi�l be refunded t�Borrower.Lender may cho��e to make this re�und by reducing the prin�ipa�a�ved under the Nate or by making a direct paymen�to Borrower. If a refund reduces grrn��pa�, the reduction w��be treated as a par��a�prepayment with no changes�n the due date�r an the na.onthly payment amount unless the Lender agrees�n writ�ng to those changes.Borrower's acce�ta.n�e vf any such refund mad�by direct�ayment ta�orrawer wi11 canstitute a waiver of an�r right of a�t��n Borro��r might have arising�ut of such avercharg�. '14. Noti�+�s.1�11 notices giv�n by Borrower or Lender�n connection with this Security Instrument mus�be in writin�.Any not�c�to Barra�rer in connectian with this Security Instrument sha�1 be deemed to hav� bee��i�en to Borrower whe�mail�d by first class mail�r when actually delivered to Borrovver's notice address if seat by other m�ans.Notice to any one B�rra�ver sha��constitute notice to aIl Barrowers un�ess Applicable Law ex�ressly requi�es o�herw�se. The n�tice address sha��be the Property,�ddress unless Bvnower has�.e�ignated a substiicut�notice address by natice�o�ender.Borrower shall prompt�y notify Lender of Barrower's change of address. If Lender specifies a proced�e for re�ortrng Borrower's chang�of address,then Borro�ver sha11 anly repart a change of address through that specified procedure. 'There may be only one designated notice address under this Secur�ty Instrument at any one time.Ar.�y notice ta L�nd�r shal�be given l�y deliv�ring xt or by mai�ing it b�first class mai��Lender`s address s�ated herein unless Lender has designated another address by not�ce t�o Borro�ver.Any notice in conn�ction tivith this Secur�ty Instrument sha��not be deemed to have b�en gi�en to Lender until actually re�eived by Lender.If an�notice required by t�.is Securifiy�n��rument is also requued under Applicable Law,the Applicable Law requirement wil�satisfy the corresponding requirement under this Security Instrument. 'I5. Gvvern�n�Law; Severa�ility;Rules of�ons#ruct�on.Th�s Secur�ty Instrument sha11 be gaver�.ed by f�deral law and t�.e�a�v af t�.e jurisd�etion in which the Property is located.A��rights and obligations contained in this Securit�Instrument are subject�n any requuements and limitatior�s of App��ca�ble La�. Applicable Law might exp�icitly or imp�icitly a11ow the parties to agree by contract or it might be silent, but such silence sha11 not be construed as a pro�ibition against agreement by contraGt. In�he event that any prov�sion.ar clause of this Security Instrument or the Nvte co�.flicts r�ith Appli�able Lav�,s��h conflict sha11 not affect�ther pra�isions�f this Security Instrument or the�Tote which can be giv�n effe�t w�thout the conflicting�ravision. FHA Deed of Trust With MERS-NE 9/34/2014 Ba�kers Systems� VMP� UMP�N�NE3[��-� Wokters Kluwer Finar�c�al Servi�es Page 91 of�7 q03351694219 4�33 �93 1l1