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201200795 12. Borrower Not Released; Forbearance By Lender Not a 1Naiaer� L�xtcneion of tl,c rimc for pay,nent or modification of amortiz�tion of the sums secnred lay this Security Inst�iiment gr�nted l�y Lender Co Borrower or nny Successor in Interest of Borrower shall noti operate to release Yhe liaUility of Borro�n�er or any Successors in Interest of Boreowcn Lcndcr shall not bo req�urcd to oommence proceed'uigs against any Suocess�r in Intcrest oP Bon�ower or to refi�se Lo exCend time for payuienh or o6herwise ivodify vnxirtr�ation oP the suma seoured by this Security Insh•ument by renson of any demend made Uy the original Bon�o4ver or nuy Successora in Snterest of Bonowar, r�iy f'orbearauce Uy Lender iu exeecising nny right or remuly including, without liinitation, Leniler's accept�nce of paymeirta £roin Uiird persons, entities or Sttceessoxs in Intesest of Boirower or in ai��unts lcss N��ui thc amount tl�on due, sha71 not be a w�uver of or preolude tihe� exerci,ve of Tny right or raznedy, 13. doint and Several Liability; Co-signers; Successors and Assigns Bound, Borrower covennnis and agrees thnt Borrower's oUligations and liaUility sha11 Ue.joint and severaL However, any Borrower who co-signs this Security Inshun�cnk but docs not executo the Note(a"cn-signer"): {a) is co-si��ing tliis Security Insh�un�ent oiily to mortgage, gi�ant and ooirvey the co-eigner's interesl in lhe Property undcr Ehc tcrms nf 4his SecLU�iCy Inetrument; (b) is not personally obligaYed to pay the sums secured by thie Secnrily Instrument nnd(c) agrees that Lender aud any other Borrower can agree to exCeaid, modify, Porbear or malea any accommodations wifl� regard to fhe terms of this Security Inatrument or the Note without the co-signer's consent. SuU,ject to the provisions of Section 18, any Successar in Interest of I3onower who assumes Borrower's obligations wider this 8aceu'ity Instrumcnt in writing, and ie appiavcd by Lcr�dcr, sl�all nbtain all of Borrowcr's riglits and benefits under thie Secnrity Inst�ument. Borrowex ehall not ba released&om Borrower's obligations and liability under tl�is Security HisTrument wiless Leuder ag•ees to such release ni writing, Tha coventuits and abrree�roents o'Ft11is Sccmity Instruniont sl�zll l�ind(cxccpt as��rovidcd in Section 20) aaid benefit the succesaors and nssigt�s of Lender. 1 a, Loan ChaYges. Lendcr may ohargo Borro��er fees for servioes perPormed in conneoCion with Borrower's dePanlf, for tho puipose of protecting Lender's inter�st in the Property and rights imder this Security Iilstrumcnt, inclnding, but not liixiited to, attorneya' feas, property inspection and valuation �1ees. In reg�nrd to any olher fees, Lhe absenoa of express authoriiy in tilus Security Instirument to charge a specific fee to Borrower shall not ba conshuecl ae�yrohiUition on tlie ckarging of suclz fca Lci2der may not chargc fecs that are expresslyprohibited by ehis Security Instrument or by Applicable Law. ]f the Loan rs subject to a law wluch sets maximum loan charges, and that law is finally inCeipreted so thaC the in[eresC ox other loan charges collected oir to Ue collected in conneetion with fhe l.oan excccd the permitted lunits, the�i: (a) �ny s�wh]oan chargo ehall be reduced 6y the�amount nece�.sary to reduoe Hie charge to the pe��nitted lunic; and(b) any sums �Ireac1y collected fiom Boxrower which exceeded perniitted limite will be refimded to Borrower. I,ender mey choosa to malce tliis rafluid Uy reduoing Uie principal owed m�der the Note or by making a directi payment to Bori�ower. If u refttnd reduces principal, tl�e reducfion will be h•eated ae n partial prepaytne��t without any prcpaymonE cl�a�gc(�vhetl�ee or not a prepa}m�enC chargo is provided for undar tlie Note}. Borrower's aoceptanoe oP�tiy such refivid made by dixect pnyment to T3orrower will conatitute a waiver of eny right of action Boirower mighe liave arising out of'such overcharge. 15. Notiees. All notices given by Borrower or Lender in comiecrion with this Secw•ity Tnetrmnent must be in writing. Any notice to Borrower iu conneoYion wiYh Y1iis Secwitiy Hastrutnent shall be deemed to 1�ave been given to Borrower when mailed Uy first clasa mail or when 2ctually dolivereci Co Borrowe�-'s notiae addcesa iF sent by otlier means. No�ice fo any one Borrower ahall constitute�iotioe to all Barro�were nnless Applicable l.aw cxprossly requires otherwise. The notice address shall Ue Uxe Property Address Luiless Borrower h�s snoao�aa N[BMSKA-Single Famlly-Fannle Mse/Freddie Mac UNIFORPA INSTRUMENT Fo�m 3020 1107 VMP� VMPB(NE)(110ti1 � WoltareKluwerFlnenolz�ISarvloes Page11 of79