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�a������� <br />12. BorrovverNat Released;FarbearanceBy LenderNot a Waiver. Extension afthe time for paymentor <br />madifcarion of amortization of the sums secured by this Security Instmm�ent gran.ted by Lender to Borrower <br />or any Successor in Interest of Borrower sha11 not operate to release the liability of Borrower or any <br />Successors in Interest af Barrower. Le�►der shall not be required to commence proceedings agaittst any <br />Successor in Interest of Borrawer or to refuse to extend time for payment or otherwise modify amortization <br />of the sums secured by this Security Inshwnettt by reason of any demand made by the original Borrower or <br />any Successors in interest of Bontower. Any forbearance by Lender in exercising any right or remedy <br />including, without limitation, Lendex's aoceptance of payments fram third persons, entities or 8uocessors in <br />Interest af Bonawer or in amounts less than Yhe anuount then duc, shall not be a waiver of or preclude the <br />exercise vf a:ay right or rennedy. <br />93. Jaint and 3everal Liability;Co AssignsBound.Borrower covenants and <br />agxees that Bprrower's obligations and liability shall be joint and sevez�al. However, amy Borruwer who <br />cr�-signs fihis Security Ittstrument but does nat execute the Note (a "co-signer"): (a} is co-signing this <br />Security inshument oniy to mortgage, grant and convey the co-signer's interest in the Prop�rty under the <br />te�us of this Secutity Insirument; (b} is not personally obligaterl to pay the sums secured by this Security <br />In�trument; and (c) agrees that Lender and any otlaer Borrower can agree to extend, modify, for6ear or make <br />any accommadations with rcgard to the tezans of this Security Instrument or the Note without the co-signer's <br />consen�, <br />Subject to fb.e provisions of Section 18, any Successor in Interest of Bortowe�r who assumes Borrower's <br />obligations under this Security Insirument in writing, and is approved by L�nder, shall obtain all o£ <br />Borrower's rights and benefits under this Security Instrument. Borrower shall not be releas�d from <br />Barrower's obligarions and liabiiity under this Secutity Instsument umless Lender agrees to such release in <br />writing. The coaenants and agreements of this Secuzity Instrument shall bind (except as provided in Section <br />20) and benefit the successors and assigns of Lcnder. <br />14 Loan Charg�s, Lendez may chazge Borrawer fees for services perfonm.ed in cannection with Borrower's <br />default, for the purpose of prote�ting Lender's i�erest in the Froperty and rights under fhis 5ecurity <br />Instrumcnt, including, bnt not limited to, attoraeys' fees, pzoperty inspection and valuaxion fees. Ia regard to <br />any other €ees, the absence of express authority in this Security Inst7vment to charge a specific fee to <br />Boaower shall not be construed as a prohibition on the charging of such fee. Lender may not charge fees <br />that are expressly pmhibited by this Security Instrument ar by Applicable Law_ <br />Tf the Loan is subject to a law vdhich sets maximum loan charges, and that law ia finally interpreted so that <br />tbe interest ar other loan charges collected or to be collected in coffiection with the Loan exc�ed the <br />permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce fhe <br />charge to the permitted limit; and (b} any sums alre.ady collected from Borrower which exceeded permitted <br />linaits will be refixnded to Borrower. Lender may choose to make this refi�nd by reducing the principal owed <br />u.nder the Note ar by making a direct payment to Borrower. If a r�fund reduces principal, the reduction will <br />be treated as a partial prepayment without any prepaym.aat charge (whether or not a prepayment charge is <br />provided for under the Note). $orrower's acceptance of auy such refund made by direct payment to <br />Borrower wilt constitate a waiver of any right of action Borrower might have arising out of such overcharge. <br />1�. Notices. All notices given by Borrower or Lender.in connection with this Security Instrwu�zenf must be in <br />writing_ Any notice to Boizower in connection with this Se�urity InstrumenY shall be deenned to have been <br />given to Batrower when mailed by first class mail or when actually deliv�red to Borrower's notice address iF <br />sent by other means. Notice to any one Barrower shall constiiute norice tn all Borrowers unless Applicabie <br />Law expressly requires otherwise. The noticc address shall be the Property Adciress unless Bozxower has <br />NEBRASKASingle Famiiy-Fennie MaetFreddie Mac UNIFORM INSTRUIb1E�iT Fortr+302& 4I01 <br />VMP � VAAPB(NE} (1906).� <br />Wolteis Ktuvrer Financial Serv'�cea Page 11 of 17 <br />