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� 2� 1 ��3122 . under th�s Se�urity Instrument unless Lender agrees to such release in vvriting. The Ga�enants and agreements of�his Secur�ty Instrument shaIl bind �except as provided in Sec�ian 19� and benefit the successors and assigns of Lender. 13, Loan Charges. Lender may �harge Borrower fees for ser��es performed in connecti�n vv�th Borr�vver's default, far the purpose af pratecting Lender's �nter�s� in the Property and rights under �his Security Instrument, including, but not l�mited ta, attorneys' fees, property inspecti�n and �aluation fees. Lender may colle�t fees and charges authorized by the Secretary. Lender may noti charge fees that are expressly prohil�ited by this Security Instrument, or by Applicable Law. If the Loan is subject ta a law whrch sets maximum loan charges, and tha�law�s f nally interpreted so that the interes� or other �oan charges ca�lected or ta be collected �n conne�tion with the Loan exceed the permit�ed limits, ; �hen: �a}any such Ioan charge shall he reduced by the amaunt necessary to reduce�he charge to the permitted ��m�t; and�b� any sums a�ready collec�ed from Borrovver v�hich excee�ed p�rm�tted limits wi 11 be refunded to Borrower. Lender may choose to make this refund by reducing�he principa�owed under the No�e ar by making a direc�payment to Borrower. If a refund reduces pr�ncipal, the reduction will be treated as a partial prepayment wi�h no changes in �he due date or in the monthly payment amaunt unless the�ote holder agrees�n writing to�hose�hanges. Borrower's acceptance af any such refund made by direct payment to Borrower vvill constitute a waiver af any right of action Barro�ver might ha�e arising out of such o�ercharge. 14. Noti�es.All notices gi�en by Borro�er or Lender in connectian with this Security Instru�nent must be �n vv�i�ing. Any not�ce�o Barrower in cannectian vvith this 5ecurity �ns�rument shall be deemed to ha�e been gi�ep ta Borrower when mailed by first class mail or when actually deli�ered�o Barrovver's notice address if sent by other means. Notice to any�ne Borrower shall constitute potice ta all B�rrowers unless Applicable Lavv expressly requires otherwise. The notrce address shall be the Property Address unless Borrawer has designated a substitute natice address by notice to Lender. Borrower shal� prompt�y notify L�nder of Barrower's change of address. �f Lender specifies a procedure for repor�ing Barr�v�er's change of address, �hen Borrower sha�] only report a change of address through that specified pracedure. There may be anly one designated natice address under this Security Instrument at any one � time. Any notice ta Lender sha�l be gi�en by deiivering it or hy mailrng it by first c�ass ma�l to Lender's address stated herein unless L�nder has designated anather address by notice ta Borrovver. Any notice in cannec�ion with this Securi�y Instrument shall nat be deemed to ha�e�een given�o L�nder un�il actual�y recei�ed by Lepder. If any notice reauired by th�s Security Ins�rument is al�o required under App�icable Law, the Applicable Law requirement wi 11 satisfy the correspanding requ�rement under this 5ecurity Instrument. 15. Go�erning Law; Severabi�ity; Rul�s of�onstru�tiun, This Security �nstrument shall be go�erned by federal �avv and the law of�he jurisdictian in which th� Proper�y is located. All rights and obligations contained in th�s Security Instrument are subject ta any requiremen�s and l�mitations of App�ica��e Law. Applicab�e Law m�ght explicitly or imp�icitly allo�v the parties to agree by contrac��r it m igh� be si lent, but su�h si�ence shall not be�onstrued as a proh i biti�n against agreement by cantract. �n the e�ent that any pro�ision or clause ofthis Security Instrument or the Note conf�icts vvith Applicable Lav�, such conflict sha��nfl�affec� other provisions of this Security Instru�nen�or the Note vvhich car�be gi�en effe�t without the conflicting prov�sion. As used in this Security Instrument: �a� words of the masculine gender shall mean and include corr�sponding : neuter words or words af the feminine gender; �b}vvords in the singular sha�� mean and inc�ude�he plural and �ice versa; and�c}the word "may" gi�es sole discretion without any obligation to take any action. 16. Borrower's Copy. Borrn�er shall be gi�en one c�py af the Nate and of this 5ecur��y �nsrrument. 17. Transfer of the Property or a BQnefi�ial Interest in Barr�w�r. As used in this Section �7, "Interest in the Proper�y" means apy Iegal or beneficial interest in the Prop�rty, tnG�Udlrl�, but not limited ta, those beneficial interes#s transferred in a bond for deed, contrac�for deed, installment saies contract or escrow agreexnent, �he intent of wh�ch is the transfer of ti�le by Borrower at a future date tio a purchaser. If a�l or any part�f the Property or any Int�rest in the Property is sold ar transferred �or if Borrower is not a na�uraI person and a benef�cial interest in Borrovver is so�d or transferred� without Lender's prior vvrittep cansent, Lender may require immediate payment in full of all sums secured by this Security Instrument. Howe�er,this option shall pot be exercised by Lend�r if such exercise is prahibi�ed by Applicabl� Law. NEgRASKA FHA aEED �F TRUST - MERS DocfNagi� o N E��T��.FHA �91�4l 15 Pag e 9 0� 13 www.dvcmagic.com