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201200930 <br /> 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the lime For payment or <br /> niodification of vnortization o£the suins sccured Uy this Secuxity InsUument gran�ed by Lander co B<jrrower <br /> or nny Suoce�sor iu Interest oPBorrower shall not operate to aelease the liaUility of Borrower or eny <br /> Suecessore in Interest of Bnrrower, Lendar shall not l�e rec�uired to coinmence proceediugs ftgainst any <br /> Successor in Interest of Borrower or to refitise to extend time for payn�c;nt or otliert*rise modiPy amorti�ation <br /> of Cho suins secured by this Securi6y Instrumcnt by reason of nny cleinand made by tha otiginal Borrower or <br /> any Succcssors in lnterest of Borirower. �ry 4orbcarance by Lander in exeroising any right or remuly <br /> including, withouC limitation, t,ender's ecceptnuoe of paymcnts from third persons, entitics or Successors in <br /> Inteeest of Boxxower or in ainounte less than the amounf Ehen di�c, shall not be a waiver of or preclude the <br /> exercise of any right or remedy. <br /> 13. Joint and Several Liability; Co-signers; Succe§sors and Assigns Bound. Borrower covenants �uid <br /> agrees fhat Bon�ower's obligations aud li�tbility shall Uejoint ai�d severnl. IIowever, u�y Borrower wl�o <br /> co-signa thie Security Instrutnent Uixt does not execute the Noce(a"co-signer"): (a) is co-signing thie <br /> Security InstnunenY only to mox[gage, gi ant and convey the co-signec's intorest in fhe PropeLty under the <br /> terms of this Security Instiuinent; (b) is noh personally obligated to p�y the sun�e sccured by this 5ecurity <br /> Instcument; and(c) agrees that Lender and nny othar Borrower can a�gree to extend, modify, forbear ot inaka <br /> any acconunodakions with rc�ard to the tarms of this Security Instrument or the Note withoui flie co-eigner's <br /> consent. <br /> Subject to the provisions of Section 18, any Successor in InteresC of Borrower who aseumes Boxrower's <br /> oUligations under this Security Inelxument in writiug, and is approved by Le��de�, shall obtain all of <br /> Borrower'y rights and l�ene&ts under this Secucity Instrument. Borrower ehall nol be rcloased from <br /> Borrowex's obligatinns and liaUility wider thia Security InsLrumsnt unless Lencler ttgrees Lo Fuch relcase in <br /> writing. The covenents �nd agrcements of tlus Seeurity Inahlm�er7t shall bind(exeept as pxovided in SecCaon <br /> 20) a�id benafit Cha sucLessors nzid nssigns of Lcnd�r. <br /> 1 A. Loan ChaYges. Lender may ohargc Borrower fees for services performed in comlectiou wi(1i Barrower's <br /> default, for the pmpose of protectnig I,en�ier's intcrest ni flie Property aud righCs under this SecLU ity <br /> InslriunenY, inu1uding but not limited W, atfomeys' feee, propei'ty vispeotion nnd vnlunCion fees. In re�;ard to <br /> any other feea, fhe abscnce of expreas auChoriYy in this Seourity InsErument to charge a specifio fee to <br /> Borrower shall not Ue oonstxued as a prohiUition on the chu•ging o£auch fce, Lcnder may not charge fees <br /> thaC�re expressly prol�il�itecl by tl�is Security InslrnmenC or by Applicable Law. <br /> If the I,oan is eubjcct to a law which seYe maximuin loan cl�argcs, and that law is finally interpreted so�that <br /> the interest or other loazi ohaz�goh collected or fo be collected in oonnectiou w[fli tiie Loau exceecl the <br /> pesmitted limits, then: (a) nny such loan charge shall be reduced by the amoiuiC necessar�to iedttca the <br /> cl�arge to tho pe��nitted limiti; and (b) any sums 2lready collccted from Borrower whioh exoeedcd pc:rmitted <br /> liinits will be refitnded to Borrower. Lender may choose ta malce tl�is refiand by reduciug the prinoi�al owcd <br /> wider Yhe Note or Uy meking a direct payment to Borrower. If n refuud reduces principal, tlie reduc�ion will <br /> be 1��eated as a partiAl prepayment wiuhouU avy}n�epn5nnent charge(whether or not a prepayme�it cl�aage is <br /> provided for Lmder Uie Nota). Borrower's aooep[�tnce of any snch refund matde by direot payn�cnt tn <br /> Borrower wi17 constitutc 2 wc�iver of any right of nction Borrower might liave arising out of such overo}iarge. <br /> 9 5. Notiees. All noricos given by Borrower or Lzndar in conneotion witli tl�ia SecuriCy Instrumeiit innec be in <br /> vn�iting. Any noCioe to Borrowcr in connection with this SecuriLy InsCrumont shall Ue deemed to have beeu <br /> given to Borrower whem m�iled 6y f"irst class mail or when actually delivered Co Borrowc��'s iiotice address i£ <br /> acnt by othe�'tneans. Notica to any one Botrower shall constit�xte notice to all Borrowers unles�Applicable <br /> Law expressly renuiros otherwise. The notiee addresa shall be I��e ProUerty Adckess wIless Borrower haa <br /> zaaooz�s <br /> N66RqSKA-Single Fem lly-Fennle M ae7Re�tlle h1 ac O N IFORbI INSTRIIfd f-.NT Form 3028 1/01 <br /> �M P '�' VM P6(NE)�7106) <br /> WoltorsKluwer Financl�l Servlces Pqge 11 of 17 <br />