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201009490 14. Laan Charges. Lender rnay chazge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting L.ender's interest in the Property and rights under this Security Instrument, including, but not limited to, attarneys' fees, property inspection and valuation fees. In regard to any other fees, the absence of express authority in this Security Instrument ta charge a specific fee to Borrower shall not be construed as a prohibition an the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instruznent or by Applicable Law. If the T�,aan is subject to a law which sets rnaximurn 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 charge shall be reduced by the amount necessary to reduce the charge co the permitted limit; and (b) any sums already collected from Barrower 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 is provided for undex the Nate). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of accion Borrower might have arising out of such overcharge. 15. Notices. All Natices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this 5ecurity Instrument shall be deemed to have been given ta Borrower when mailed by �rst class nnail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one 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 L,ender. Borrawer shall prornptly notify Lender of Borrvwer's change of address. If L,�nder speci�es a procedure far reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. 'There may be only one designated noCice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by �rst class mail to I.ender'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 until actually received by Lender. If any notice required by this Security Instrument is alsp required under Applicable Law, Che Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. 16. Governing Law; Severability; Rules of Constraction. 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 cantract or it might be silent, but such silence shall nat be construed as a NEBRASKA — Siugle Fsmily -- Faunie MxlE7eddie Mac UNIFORIN INSTRUMENT Form 31128 ii � GCC - G302$-13 (09/Ol) (Page 13 of 19) Initials: ��