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201103760 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Bonower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attomeys' fees, property inspection and valuation fees. In regard to any oWer fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower shall not be construed as a prohibiHon on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by AppHcable 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 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 Wis refund by reducing the prindpal 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 chazge is provided for under the Note). Borrower's acceptance of any such refund raade 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 connecHon with this Security Instrument must be in writ3ng. Any noflce to Borrower in connection with this Securlty Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's noflce address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless AppHcable Law expressly requires otherwise. The noflce 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 Borrower'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 connection with this Security Instrument shall not be deeraed to have been given to Lender until actually received by Lender. If any notice required by this Secua�ity Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instruraent. 16. Governing Law; Severability; Rules of Construction. This Security Instrument shall be govemed by federal law and the law of the jurisdiction in which We Properly is located. All rights and obligations contained in this Security Instrument are sub,ject to any requ9rements and limitations of Appllcable Law. AppHcable Law might explicifly or implicidy allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a NEBRt�SKA — Single Family — Fmnla MadFraddia Mae i1HIF0RM IN811tU1�ATf Form 30� ll01 GCC - G3028-13 (09/01) (Page 13 ofl9) Initials: ,�_ ��