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Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's <br />obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's <br />rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations <br />and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and <br />agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors <br />and assigns of Lender. <br />14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's <br />default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, <br />including, but not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, <br />the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be <br />construed as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited <br />by this Security Instrument or by Applicable Law. <br />If the Loan is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the <br />interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, <br />then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted <br />limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to <br />Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a <br />direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment <br />without any prepayment charge (whether or not a prepayment charge is provided for under the Note). Borrower's <br />acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action <br />Borrower might have arising out of such overcharge. <br />15. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in <br />writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given <br />to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by <br />other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law <br />expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated <br />a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of <br />address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only <br />report a change of address through that specified procedure. <br />There may be only one designated notice address under this Security Instrument at any one time. Any notice to <br />Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless <br />Lender has designated another address by notice to Borrower. Any notice in connection with this Security <br />Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice <br />required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will <br />satisfy the corresponding requirement under this Security Instrument. <br />16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by <br />federal law and the law of the jurisdiction in which the Property is located. All rights and obligations contained in <br />this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law <br />might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not <br />be construed as a prohibition against agreement by contract. In the event that any provision or clause of this <br />Security Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provisions of <br />this Security Instrument or the Note which can be given effect without the conflicting provision. <br />As used in this Security Instrument: (a) words of the masculine gender shall mean and include corresponding <br />neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and <br />vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. <br />17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument. <br />NEBRASKA-Single Family- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />VMP ® <br />Wolters Kluwer Financial Services <br />I IIIIIII mI111IU UIIN 1111IIIIIM IIIIIIn II IIIIII11II III1111M IV111II I <br />2018013'76 <br />Form 3028 1/01 <br />VMP6(NE) (1302).00 <br />Page 10 of 15 <br />