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200801606 of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument of by Applicable law. If the loan Is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan oharge shall be reduced by the amount necessary to reduce the charge to the permitted limited; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. 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 refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge ia provided for under the Note). Borrower's accpetance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices. All notices given by Borrower or lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to anyone Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to lender. Borrower shall promptly notify Lencler of Borrower's change of address. If lender specifies a procedure for reporting change of address, then Borrower ahall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at anyone time. Any notice to Lender aha II be given by delivering h or by maiiing it by first class mail to lender's address stated herein unless lender has designated another address by notice to Borrower. Any notice in connection with this Security Instrument shall not be deemed to have been given to lender unlil 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. 1 e. 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. All rights and obligations contained in this Security Instrument are subject 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 auch silence shall not be contrued as a prohibition against agreement by contract. 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 provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument; (a) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and include the plural and vice versa; and (0) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shall be given one copy of the Note and of this Security Instrument 4200055 MERS Modified F",", 3021 , IV' (~12'i:.& ""7't-7 ~ Inlll....:~ HEIlRA9KA-SlngI" F<omlly-FANI'lIE "AE-f'REOOIE MAC UNIFORM l~TRUMENT JC.~ '~I"YU""" ."<",,,,,..:~,, ".';'. .,^"...., "",,,'~''''''''''_'II