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200701002 in writing. The covenants and agrcemcnts of this Security Instrumcnt shall bind (except as provided in Section 20) and benefil the sllceessors and asslg:ns of I.ender. 14. Loan Charges. Lender may charge Borrower fees for services perfonned in connection with Borrower's defiolull, lilr the purpose of protecting Lender's interest in Ihe Properly and rights under this Security Instrument, including, but not limited to, attorneys' fees, properly mspection and valuation fees. In regard to any other fees, Ihe absence of express allthority in this Se<.;urity Instrument 10 charge a specific fee to Borrower shall not be construed as a prohibition on the charging of such fee. [,ender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Loan is subject to a law which sets maximum loan charges, and that law is finally mterpreted so that the interest or other loan charges collected or to be collected in connection with the Loan cxceed the pemlitled limits, then: (a) any such loan <.;harge shall be reduced by the amount necessary to reduce the charge to the permitted limit and (b) any sums already colle<.;ted from Borrower which exceeded permitted limits will be refunded to Rorrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a retiJnd reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided fl)r under the Note). BOlTower's acceptance of any such refund made by direct payment to Borrower will constitutc a waiver of any right of action BOlTower might have arising out of such overchargc. 15. Notices. ^II notices givcn by Borrower or Lender in COlUlection with this Sccurity Instrument must be in writing. ^ny noti<.;e to Borrower in <.;onnedion with this Secllrlty Instrument shall be deemed to have been given to BOlTowcr whcn mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to anyone ROlTower shall constitute notice to all Borrowers unless Applicable Law cxpressly requires otherwisc The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of BO!Tower"s change of address. If I ,ender specifies a procedure for reporting BOlTower's changc of address, then BOlTower shall only report a change of adch'ess tlu'ough that specified procedure. There may be only one deSIgnated notice address under this Security Instrument at anyone time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. ^ny notice in eOlUlection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be governed by federal law and the law of the .JuriSdiction in which the Property is located ^1I rights and obligations contained in this Security Instrument are sub.Jeet to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contrad. In the event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law, such conflict shall not affect other provlSl<JnS of this Se<.;ulity Instrument or the Note which can he giVt:n effect without the conflicting provision. As used in this Security Instrulllent (a) words of the masculine gender shall mean and include corresponding neuter words or words of the Il,minine gender~ (b) words in the singular shall mean and mclude the plural and vice versa~ and (0) lhe word ~.mayn gives sole discretion without any obhgation to take any action. 17. Borrower's Copy. Bonower shall he given one copy of the Note and of this Security Instrument NEBRASKA. Single Family - Fannie Mae/F..eddie Ma.. L"IFOKM Ir.STRUMENT WITH MERS VMP-6A(NE) (0407).01 Page 11 of 16 Fm'm 302M \/01 Initials: & lJf3---