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2� 1 ��34�� Subject to the provisions of Sectia�l �8, any Successor in Interest�f Borrower vvho assumes Borrovver's obligatio��s under this Security �nstrume��t it� �vri�i��g, and is approved by Lender, shall obtain all of Barrower's rights and benefi�s under this 5ecuri�y Ins�rument. Barrower shall pot be released from Borrower's abl iga�i�ns and 1 iabi l ity under th i s Security I nstrument un 1 ess Lender agrees to such release in vvriting. The co�enan�s ar�d agreements of this Securi�y Instrument shall bi�-�d �except as provided in Section��}a�d benefit t�1e successors and assigns of Lender. '14. L�an Charges. Lender may charg� Borrow�r fees for ser�ices perfarmed in c�nnection�vith B�rr�vver's default, f�r the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, �nc�uding, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any at��er fees,the absence of express authority in�his 5ecurity �nstrument�o charge a specific fee ta Borrower shall no�be con�trued as a prol�ibition on the charging�f such fee. L�nder may not charge fees that are expressly prohibited by this Security �nstrument or by Applicab�e La�v. If the L�an is subject t� a lavv vv�lich s�ts maxi�r�um �oan charges, ar�d that law is finally interpreted so that the interest or other l�an charges collected or to be colle�ted in c�nnectian w�th th�Loan exceed the perm�tted limits,tl�en; �a}any such loan charge shall b��educed by the amaunt necessary ��educe th�charge to the perm i�ted l i ln it; and �b} any surns al ready co�1 ected from B orr�wer which exceeded permi#t�d limits wi lI be refunded ta Bflrrower. Leilder may choose to make this refund by reducing the �rincipal owed under the Note�r by making a direct payment to Borrar�ver. If a refund reduce� principal,the reduction wiil be treated as a partia� prepayment without any prepayment �harg��r�vh�ther�r not a prepayment charge is pro�ided far under t��e�io�e�. Borrovver's acceptance of any such refur�d made by direct payment to Borrower wil� cons�itute a wai�er of any rig��t�f actioi� Borrower might ha�e arisin�out of such o�ercharge. '15. Notices. A�� notices gi�en by Borrower or I�ender ir� �onrzec�ion vvith this Securi�y Instrument mus�be in wri�ing. Any n��ice to Borrn�ver in connectio�� with this Security Instrument�ha�� b� deemed ta ha�e been givei�to Borrovver when t�ailed by first class ma�� or wh�i� actually delivered to Borrower's notice address if sept by other means. Notice t�any on� Borrower shal� constitute notice to al� Borrovvers un�ess Applicable Law�xpressly requires othervvise. The n�t�ce address shall be the Property Address unless Borrower has designated a substit►.ite notice address by no�ice to Lender. Borrower shall promptly no�ify Lender of Barrar�ver's char�ge of address. If Lender sp��f es a procedure far reparting Barrower's cha»ge of address,then Borrower shall only report a change of address thr�ugh that specified procedure. Tl��r�may be only one designated notice address under this Securi�y Instrument at any one�ime. Any notice ta Lender shall be gi�e�� by deli�ering�t or by mailing it�y first class mail to Lender's address stated hereiz� unless Lender has designat�d anather address by notice to Borrovver. Any natice ir� cannect�an with��is Security Instrument shall not be deemed ta ha�e been�i�en to Lender until actually recei�ed by Lender. If any notice required by this Securi�y � �nstrument is also required under Applicable La�v,tl�e Applicable La�v reqiiirement w��l satisfy the corresp�nding requirem�nt under this Security �nstrument. 16. �a�erning Law; Se��rability; Rule� of C�nstructiort� T`his Security Znstrument shall be go�erned by federal Iaw a��d the law of the jurisdictifln in �vhicl�the Praperty is located. All rights and �bligations contained in this Security �nstru�-nent are subject to any requirements and limitati�ns�f Applicable Law. App�icable La�v migh�ex.pl�cit�y or ir�nplicitly a�low the partie�to agree by contract HCFG-Q�359 NEBRASKA-5ingle Family-Fannie MaslFr�ddie Mac UNIF�RM iNSTRUMENT Farm 3��8 1101 VMP� 11115 Walters Kiuwer Finar�cial Services 2�1�457.115.3.2.35�9-J2a1�0120Y Page 12 af�7 *9 28637 6 1 *