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2oioo9si3 14. Loan Charges. Lender may charge Borrower fees 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, property inspection and valuation fees. In regard to any other fees, the absence af express authority in this 5ecurity Instrument to charge a specific fee to Borrower shall not be construed as a prohibition on the charging af such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. If the Laan is sub�ect to a law which sets maximum lpan charges, and that law is finally interpreted so that the interest ar other laan 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 to the permitted limit; 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 is provided for under the Note). Borrower's acceptance of any such refund rnade by direct payment to Borrower will constitute a waiver of any right of action Borrower rnight have arising out of such pvercharge. 15. Notices. All Natices given by Bonrower or Lender in CUnneCti4n 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 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 Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Bonower'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 Instrurnent at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail ta Lender's address stated herein unless Lender has designated anather address by natice to Borrawer. Any notice in connectian with this Security Instrument shall not be deemed ta 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. Govarning Law; S�t+erability' R11189 0� COI1StYACt10I1 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 5ecurity Tnstrument are subject to any requirements and lirnitations of Applicable Law. Applicable Law might explicitly or implicitly allow the pardes to agree by contract or it rnight be silent, but such silence shall not be construed as a NEBRA$KA -- Single Famlly -- Fannie MadFreddie Mac UNIFORM INSTAUMENT Form 3028 !� GCC - G3028-13 (09/Ol) (Page 13 of19) Initia