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20110303f iiziosao4s Instrument unless Lender agrees to such release in writing. The oovenants and agreements of this Security Instrumeat shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 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 Properly and rights under this Security Instrument, including, but not lunited to, attorneys' fees, properly inspection and valuation fees. In regard to any ather fees, the absence of express authority in this Security Tnstniment to charge a specific fee to Borrower sha11 not be construed as a prolubirion on the charging of such fee. Lender may not charge fees that aze expressly prohibited by this Securifiy 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 tiaat the interest or other loan charges collected oz to be collected in connection with the Loan exceed the permitted limits, t�en: (a) any such loan charge shall be reduced by #he 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 zeducing the principal owed under the Note or by making a direct payment to Borrower. J.f a refund reduces principal, the reduction will be treated as a paztial prepayment without any prepayment chaxge (whether or not a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver o£ any right of action Bonower might have arising out of such overcharge. �5. Notices. All notices given by Bonower or Lender in connection with this Security Instrcunent must be in writing. Any notice to Borrower in connechon with tlus Security Instrument shall be deemed ta 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 sha11 be the Property Address unless Borrower has designated a stibstitute norice 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 chamge 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 Instr�ment 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 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 also required under Applicable Law, the Applicable Law zequirement will sarisfy the conesponding requirement under this Security Instrument. 16. Governing Law; Severability; Rnles of Construction. This Security Instruxnent sha11 be govemed by federal law and the law of the jurisdiction in which the Property is located. All rights and obligations conta.ined in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicahle Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but snch silence shall not be construed as a prolubition against agreement by contract. In the evenfi tha# 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 (c) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower°s Copy. Borrower shall be given one capy of the Note and of this Security Insuuznent. 18. Transfer of the Progerty or a Benefici�l Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Praperty, including, but not limited to, those beneficial interests 4ransferred in a bond for deed, conixact for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a futrxxe date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower isnot a natura.l person and a benaficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require unmediate payment in full of all sums secured by this Security Tnstrument. 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. The notice shall provide a period of not less thaa 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 prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further norice or demand on Borrawer. NEBItASKA--Single Family—Fannfe MaelFreddie Mac UNIF'ORM INSTRZJNIENT ModiBed for VA � 338.2 Page 9 of 12 � Form 30281J01