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m ag el cl 0 w th de 202206769 e determination and certification services and subsequent charges each time remappings or similar changes occur reasonably might affect such determination or certification. Borrower will also be responsible for the payment ny fees imposed by the Federal Emergency Management Agency, or any successor agency, at any time during the term, in connection with any flood zone determinations. (b) Default Charges. If permitted under Applicable Law, Lender may charge Borrower fees for services formed in connection with Borrower' s Default to protect Lender' s interest in the Property and rights under this urity Instrument, including: (i) reasonable attorneys' fees and costs; (ii) property inspection, valuation, mediation, loss mitigation fees; and (iii) other related fees. (c) Permissibility of Fees. In regard to any other fees, the absence of express authority in this Security rument to charge a specific fee to Borrower should not be construed as a prohibition on the charging of such fee. der may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. (d) Savings Clause. If Applicable Law sets maximum loan charges, and that law is finally interpreted so that interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, (i) any such loan charge will be reduced by the amount necessary to reduce the charge to the permitted limit, and any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender choose to make this refund by reducing the principal owed under the Note or by making a direct payment to rower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment rge (whether or not a prepayment charge is provided for under the Note). To the extent permitted by Applicable , Borrower' s acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any t of action Borrower might have arising out of such overcharge. 16. Notices; Borrower's Physical Address. All notices given by Borrower or Lender in connection with this urity Instrument must be in writing. (a) Notices to Borrower. Unless Applicable Law requires a different method, any written notice to Borrower onnection with this Security Instrument will be deemed to have been given to Borrower when (i) mailed by first s mail, or (ii) actually delivered to Borrower' s Notice Address (as defined in Section 16(c) below) if sent by means r than first class mail or Electronic Communication (as defined in Section 16(b) below). Notice to any one rower will constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. If any notice orrower required by this Security Instrument is also required under Applicable Law, the Applicable Law rement will satisfy the corresponding requirement under this Security Instrument. (b) Electronic Notice to Borrower. Unless another delivery method is required by Applicable Law, Lender provide notice to Borrower by e-mail or other electronic communication ("Electronic Communication") if: (i) ed to by Lender and Borrower in writing; (ii) Borrower has provided Lender with Borrower' s e-mail or other tronic address ("Electronic Address"); (iii) Lender provides Borrower with the option to receive notices by first s mail or by other non -Electronic Communication instead of by Electronic Communication; and (iv) Lender rwise complies with Applicable Law. Any notice to Borrower sent by Electronic Communication in connection this Security Instrument will be deemed to have been given to Borrower when sent unless Lender becomes aware such notice is not delivered. If Lender becomes aware that any notice sent by Electronic Communication is not vered, Lender will resend such communication to Borrower by first class mail or by other non -Electronic unication. Borrower may withdraw the agreement to receive Electronic Communications from Lender at any by providing written notice to Lender of Borrower' s withdrawal of such agreement. (c) Borrower's Notice Address. The address to which Lender will send Borrower notice ("Notice Address") be the Property Address unless Borrower has designated a different address by written notice to Lender. If Lender Borrower have agreed that notice may be given by Electronic Communication, then Borrower may designate an tronic Address as Notice Address. Borrower will promptly notify Lender of Borrower' s change of Notice ess, including any changes to Borrower' s Electronic Address if designated as Notice Address. If Lender specifies ocedure for reporting Borrower' s change of Notice Address, then Borrower will report a change of Notice Address through that specified procedure. N 'RASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT *DocMagic Fo 1i 3028 07/2021 Page 13 of 19