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2� 1 ��8797 , fees.Lender may collect fees and chaxges au�hori�ed by the Secre�ary.Lender may not charge fees that are expressly prohibited by�his Security Ins�rument or by Applica�l�Law. If�he Loan is subjec�to a Iav��hich sets maximum loan charges, and that�a�v is finally interpreted sa that the interest or other laan charges collected or to be collected in connection�ith the Loan exceed th�permitted limits,then: (a�any such l�an charge�hall be reduced b�the amount necessary to reduce the charge to the permitted limit; and(b}any sums already co�Iected from B�rro�ver whi�h exceeded perrnitted Iimi�s will be r�funded to Borrav�er.Lender may ch�ose to make this refund by reducing th�pr�ncipal ovWed under the Nate or by making a�irect payment to Barrower. If a refund reduces principal,the reduc�ion will be treated as a partial prepayment with no changes in the due date or�n the mvnthly payment amount unless the Lender agrees in vwriting to those changes.B orrovver's acceptance of any such refund made by direct payment ta B arrovwer will constitute a wai�er of any right of ac�ion Borrower might have arising out�f such overcharge. �14. Notices. A11 notices gi�en by Borrower or Lender in connectian with this Security Instrument must be in writing.Any notice to Borrawer in conr�ection�ith this 5ecurity�nstrument shall be deemed to have�een gi�en to BorrovWer when maiied by fzrst class mail or when actually delivered �o Borrower's notice address if sent by other means.No�ice�o any one B�rr�wer sha11 constitute notice to aIl Borrowers unless Appli�able Law expressly requires otherwise.The notice address shall be the Praperty Address unless Barrower has designated a sulastitute natice address�y notice�o Lender.Borrower sha�l promptly notify Lender of Borro�ver's change of address. If Lender speczf es a pr�cedure f�r reporting Borra�ver's change af address,then Borro�ver shall only repo�t a change of address through that specif ed procedure. There may�e only�n�designated notice address under�his Security Ins�rument at any one time.Any notice to Lender shall be gi�en by delivering it or by mailing it�y f rst class mail tio Lender's address s�ated herein unless Lender has d�signated anather address by natice to Barr�v�er.Any natice in connectian v�ith�his Security Instrument sha1l nat be deemed ta ha�e been given to Lender until actually recei�ed by Lender. If any notice required by�his Security Ins�rument is also required under Applicable La�r,�he Applicable Law requirement wi�t satisfy the correspond�ng requ�irement under�his Security rns�rument. 'I v. Go�ern�ng Lav�r; Se�erability; Rules of Construction. This Security Ins�rument shall be governed by federallaw and the la�v of the jurisdiction in which the Proper�y is lo�ated.All rights and obligatY�ns cvntaxned in this Security Instrument are sub3ec�to any requ�rements and limi�ations of Applicable Law. Applicable Lav�might explicitly or imp�icitl�allaw the parties to agree by con�ract or it might�e silent,but such silence sha11 not be construed as a prohi�ition agains�agreement by contrac�. In the e�ent that any pro�is�on or clause of this Security Instrument or the No�e conflic�s with Appli�abl�Law, such conflict shal�not affect o�her provisions af�his Security Instrument or the Note which can be given effect without the conflic�ing provision. _ As used in this Security Instrument: (a�v�ords of the masculine gender shall mean and include corresponding neuter words or w�rds af the feminine gender; [b�words in the s�ngular sha11 mean and include the plural and�ice�ersa; and(c�the word "may" gives sale discretion with�ut any obligation to take any action. 'I 6. Borrower's Copy. Borrower shall be gi�en one copy�f the Nnte and of this Securi�y Instrum ent. HCFG-��Q3 � � 24oaa�56�s��z FHA Dsed�f Trust-NE 9I3012D14 Bankers SystemsT""VMP� ��f�� Wo{ters Kiuwer Financial 5ervices 2a1fi121915.3.2.3509-J2Q1fiQl2�lY Pags 1'f af'ifi � i