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2o�oos39g 14. Loan Charges. Lender may charge Bnrrawer fees for services performed in connection with Borrower's default, fvr the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, bat not limited to, attorneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Tnstrument to charge a speci�c fee to Borrower shall nat be construed as a prohibition on the charging of such fee. Lender 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 interpreted so that the interest or other loan charges collected or to be collected in cannection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to rednce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Bnrrower. 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 is provided far under the Note). Borrower's acceptance of any such refund made by direct payment to Bvrrpwer will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Noticea. All Notices given by Borrower or Lender in cnnnection with this 5ecurity Instrument must be in writing. Any notice to Bnrrower in connection with this Secarity Instrument shall be deerned to have been given to Borrawer when mailed by first class mail or when actually delivered to Borrower's nntice address if sent by other means. Notice ta any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requices otherwise. The notice address shall be the Property Address anless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address thrpugh that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice ro Lender shall be given by delivering it or by mailing it by �rst class mail tv Lender's address stated herein unless Lender has designated another address by notice to Barrower. Any notice in cannection with this Security Instrument shall not be deemed to have been given ta Lender until actually received 6y Lender. If any notice required by this Security Instrument is also reqaired under Applicahle Law, the Applicable Law requirement will satisfy the corresponding reqnirement under this Security Instrument. lb. Governing Law; Severability; Rules of Constructian. This Security Instrument shall be governed by federal law and the law af the jurisdictian 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 such silence shall not be construed as a NLBIZA$KA -- Smgle Fam�ly -- Paonie MsdFraddie Mao UMt+OttM TNSTRUMENT Form 3028 i oi GCC - G3028-13 (09/Ol) (Page 13 of19) Initials: