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2 010 o s o 5 2 V2 �� Lo� # 5o3a�6��7 14. Loan Charges. Lender may charge Borrowerfees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys' fees, properky inspection and valuatian fees. In regard to any otherfees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibitian on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. Ifthe Loan is subjectto a lawwhich sets maximum laan charges, and that law is finally interpreted s� thatthe interest or other laan charges c�llected or to be calleoted in cannection with the Laan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrowerwhich exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed underthe Note or by making a direct paymentto Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment withaut any prepayment charge (whether or not a prepayment charge is provided far under the Nate). Borrawer's acceptance 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 Borrowerwhen mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means, Notice to any one Borrower shall constitute notice to all Barrawers unless Applicable Law expressly requires otherwise. The notice address shall be the Properky Address unless Borrower has designated a substitute notice address by notice to Lender, Borrower shall pramptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrawer's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one 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. Any notice in connectian wi#h this Security Instrument shal� nat be deemed tn have been given to Lender until actually received by Lender. If any notice required bythis Security Instrument is also required under Applicable Law, the Applicable Law requirementwill satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severablllty; RwIQS of Constructlon. 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 ofApplicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by cantract or it might be silent, but such silence shall not be construed 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 ather 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 ofthe 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 (c] the word "may" gives sale discretion without any obligation to take any action. 17. Barrower's Copy. Borrower shall be given one capy af the Note and of this Security Instrument. 18. Transfer af the Property or a Baneficial Interest In BarrQwQr. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited ta, those beneficial interests transferred in a bond far deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part af the Property or any Interest in the Property is sold or transferred (ar ff Borrower is not a natural person and a beneficial interest in Borrower is sald or transferred) without Lender's prior written consent, Lender may require immediate payment in full �f all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. 7he notice shall provide a period of nat less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums priar to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Barrawer. 19. Borrower's Rlght to Reinstate After Acceleration. If Borrower meets certain canditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days befare sale af the Property pursuant to any power af sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borr�wer's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attarneys' fees, property inspection and valuatian fees, and otherfees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such actian as Lender may reasanably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Bc�rrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require that �orrower pay such reinstatement sums and expenses in ane ar more of the fallowing farms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institutiQn whose deposits are insured by a federal agency, instrumentality or entity; or (d) Electronic Funds Transfer. Upan reinstatement by Borrawer, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case af acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notic� of Grisvance. The Note ar a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrawer. A sale might result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and this Security Instrument and perfiorms other mortgage loan servicing obliga#ions under the Note, this Security Instrument, and Applicable l.aw. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Laan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan 5ervicer, the address to which payments should be made and any oth r NE8RA5KA--Single Family--Fannie Mao/Freddle Mac UNIFORM INSTRUMENT Form 3028 iJ01 Iriitials s � C� 1999-2007 Online Documents, Inc. Pag� 7 Of 9 NEEDE 0 10-27-201Q 11:5