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: . 2� 1 ��939 , under this 5ecur�ty Instrument unless Le��dcr ag�•ees to sucl�rele��in writi��, ri'h�co�enant�and a�z�eements of t11is Security Instrul7�ent shall bind�except�s pro�ided ii7 Sectian 2�} and be��efit t�7e succe�s�rs and assi��7s of Le��de�•. 14. Laan Charges. Lender i-nay char�e Borrowe� fees for ser�ices perfari�ed in cot�nection with �3or-�-�w�r's default, for the purpase ❑f pra�ec�i�ag Lender's ii�t�rest in tl�e �'roperty and rigl�ts under this Sec��rity Instrument, including, but not limited�o, at��rneys' fe�s, p�flpci�y i��spectio��a��d�aluatioi�fees. �n r�gaz-d ta a��y otl�cr fees, th� absence af express authority in this Se�u�-ity �r�s�rui��ent to char�e a sp�c��ic fee to Borrawer sl�all nat be co��.strued as a pr�hi�itian a�-�t��e cl�argiilg of such fee. Lender inay i�flt charge fees that��-e expr-essly prohibited by�his 5ecurily rr�strument oz•by Appl�cabl�Law. : rf the L�an is subjec�to a law whicl�sets maximun� laan charges, and tha��aw is finally interp�-eted so that t��e int�rest or o�her loan charges colleeted or to be collected in co��nectio�� wiil� the Loan �;xceed �l�e permitted limits, then: �a}any such loan charge shall be reduced by the amaunt necessary�o reduce tlle charge to thc pe��nit�ed lirnit; and�b} any sums aiready collected from �3orrower whzch exceeded permit�cd limits vvill be r�fL�nded to Borr�wer. Le�3de�•may choose to malce this refund by reduci��g the p�incipal ov�cd under the Note or by mal�i��g a direct paym�i�t to Borrower. If a refund �•educes principal, �l�e reductian wi11 be �r�eated as a par�i�l pr�p�ymen� wi�l�out any prepayment charge�whetl�er ar not a prcpayinel�t charge is pra�ided fo�� ii�der�he No�e�. �3orrower's acceptance of any such refund made by direct paymet�t to Bo�•r�wer vvill �onsti�utc a wai�e�-of a�1y ri�h�of a��iot� Bar�-ower�ni�ht l�a�e arising ou�of such o�ercl�a�•ge. - l5. I�Toti�es. A11 notices gi�er�by�3o��rowe�- or Lei�d�;�-iz� coi7��ctior� vvitll tl�i� 5ec��r-ity ��1�trur��ex�t musz be�n writing. Any natice ta�3orrower in coi7n�ctinn wi�h thi� 5ecurity Instr�.tment shall be c�eemed t�ha��bee:��gi�en to Borrower when maiied by first class mai� or u�hen act��ly dcli�e�cd to �3�rravv�z-'� not�ce G�cidre:ss if sent by othez- means. Notice�o any❑n�Borrovver sl�all canstitute natice to alI�3orrower-s u1�l�ss Applicabl� Law expi-cssly rec�uires ; otherwise. The notice address shall be the Propel ty Addz•ess unles5 �3o�•rower has d�sigr�atcd a substitutc ��at�ce address by n�tice to Lender. �3arrou�er- sl��l pz amptly no��fy Lender nf Borrowez-'s chailge �f add��ess, If Lcnci�r ; specifies a procedure for reporting Borrowcr's cha�lge of address, then Bori-owcr shall❑nly report a chan�e of add�-ess tl�rough that spccifted pro�edure. There may be o��y o�� d�signated notice address under this Security Inst�-umen� at any one time, A��y natice to Lender shall be gi�en by deli�er�ng it or by mailing i� by �r��cl��s mail ta Lendcz�'s address sta�ed herein unless L�n�er has d�signated anathe�-address by t-�otice to Bor�-ower. ��y natice in col�nection witl�. thi� Security �nstrulne��t shall not be deemed to have �cen gi�en ta I_cnder Untl� �CtL1c��Iy 1 LL'C1VLd b� L�I7C�L'I'. If any notice re�uired by this 5ecurity Instrumel�t is also required undcr Applicable Law, th� �pplicable Law rec�uiremen�will satisfy �he correspondin�;re�ui��ement u��de�� tllis Security Ins�run�ent. I6. Go�erning Law; �everabi��ty; R+uicS of C`onstructivn. 'I"his Security Instt•ui��c��t sl�all be go��;r��ed by federal �aw and th�law of tl�e jurisdiction rn which the Property i� locat�d. AIl rights and obliga�ians contained in t��is 5ecurity Ins�rument are subje��to any requi��ements and Iin�i�ations of Applicable ��aw. ��]�I�CcIbI� Lc�W 1771��7t explicitly ar implicitly allaw tl-�e parties to agr•ee by c�ntract or it might ve si�ent, but such si�ence sh�11 not be �onstrued as a pral7ibitian against agreei��e��t by co�l�rac�. 7x1 th� evei�i tl�at a�� pro�isiai� or cl��use af this 5ec��r-ity Insti•ume��t o�-the Note�onflicts with Applicab�e Law, such co»flict sh�ll i�ot affect otl�cr pt-o�isio��s of this 5ec��rity Instrument or- the Note which cail be grven effect wit��o��t the conflicti��g p�o�ision. As used in �his Security Ir�strument: �a}wo2•ds of the masculi��e gendez� s��all �-nean a��d ii�clude cnrr'L'SpOI7C�lI7� neuter words ar words af the feminine gender; �b} woi�ds in the sin�u�ar sl�dll ��Zeai� a��d inc�ude tl�e;p�ti�-al ax�d �ice ; ve�sa; and�c}the ward "may" gi�es sol� disc��etiflz� �vit��out az�y obli�atiat� to��l�c any actiaz�. �7. Borrower's �opy. �3orror�ve�� shall be given o�7e capy af'the Nc�tc� ar7d of this 5e��xr•ity Iz�s�rum�t�t. I8. TranSfer af�he�'raperty ar a Lencficial rntcresf:in �3t�rrt��vcr, As used in this 5e:ctia�� 18, "Ynte�•est i�1 tt�e Praperty" meaz�s any l�gal or betaef�cial iil�erest in the Property, i��ciud7ng, but not ��I��ited to, those bez�ef�c�al in�ez ests transfex�red�n a band fo�•c�eed, contract fo�deed, installment sales co��tract or escrow ag;i eement, �he inte�nt of which is the transfer of title by Bo�-rawer at a fu�ure date to a purchaser. If alI or any part af tl�e Praper�y or any 7�7tere�t i1-� the Property is sold �z transf�rred�or if�3o�-rower is ��at a natural persol� and a benefic�al i��terest in �:3orrawer i� sold a�- �ransferr�:d} withaut Lender's p�ior w��i�ten consent, Le��der may require immedia�e paymer-�t in full of al1 sums securcd hy this Sec��-ity Instru�nent. I-�o�e�er, t��is optio�� shall no�be ex��-c�sed by Lender if such exercise is p�ahibited by App�icab�e �aw. NEBRASKA--S�ngle Fami�y�-Fannie MaelFreddie Mac UNIF�RM INSTRUMENT- MEf�S Dac1Vlagic�-�'�or,,�� Farm 3(]28 11D� Page �0 a� �5 www.docm�gic.com r� �� �� I � �� i i